County banking markets / AR / 05031
CraigheadArkansas
FIPS 05031. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 75 counties in Arkansas’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (621) and unconcentrated on deposits (857).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
38 branch offices and 9 institutions in 1994; 52 and 24 in 2025. Deposits booked in the county went from $818.9M to $4.02B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Centennial Bank cert 11241 | $771.5M | 19.20% | 7 | 13.46% |
| 2 | First Community Bank cert 34533 | $408.8M | 10.17% | 6 | 11.54% |
| 3 | First National Bank cert 3887 | $385.3M | 9.59% | 3 | 5.77% |
| 4 | Simmons Bank cert 3890 | $352.5M | 8.77% | 3 | 5.77% |
| 5 | First Horizon Bank cert 4977 | $302.7M | 7.53% | 2 | 3.85% |
| 6 | Bank of America, National Association cert 3510 | $213.6M | 5.32% | 1 | 1.92% |
| 7 | Regions Bank cert 12368 | $199.2M | 4.96% | 2 | 3.85% |
| 8 | Arvest Bank cert 8728 | $168.8M | 4.20% | 3 | 5.77% |
| 9 | Cadence Bank cert 11813 | $159.6M | 3.97% | 2 | 3.85% |
| 10 | First Security Bank cert 5633 | $159.4M | 3.97% | 3 | 5.77% |
| 11 | Focus Bank cert 1426 | $145.3M | 3.62% | 2 | 3.85% |
| 12 | The Farmers & Merchants Bank cert 16216 | $142.9M | 3.56% | 2 | 3.85% |
| 13 | Southern Bank cert 28332 | $132.6M | 3.30% | 2 | 3.85% |
| 14 | ENCORE BANK cert 34562 | $120.2M | 2.99% | 1 | 1.92% |
| 15 | FNBC Bank cert 1294 | $71.3M | 1.77% | 1 | 1.92% |
| 16 | UNICO Bank cert 10608 | $69.7M | 1.74% | 3 | 5.77% |
| 17 | Signature Bank of Arkansas cert 89 | $60.6M | 1.51% | 1 | 1.92% |
| 18 | Armor Bank cert 28812 | $38.7M | 0.96% | 1 | 1.92% |
| 19 | Bank OZK cert 110 | $36.6M | 0.91% | 1 | 1.92% |
| 20 | Cross Bank cert 13821 | $29.6M | 0.74% | 2 | 3.85% |
| 21 | Evolve Bank & Trust cert 1299 | $19.5M | 0.49% | 1 | 1.92% |
| 22 | First National Bank Of Commerce cert 3896 | $18.4M | 0.46% | 1 | 1.92% |
| 23 | Southern Bancorp Bank cert 1528 | $9.9M | 0.25% | 1 | 1.92% |
| 24 | First National Bank Texas cert 3285 | $875K | 0.02% | 1 | 1.92% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Arkansas, or read the methodology for the two HHI constructions and what they cannot tell you.