County banking markets / AR / 05125
SalineArkansas
FIPS 05125. 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 (822) and unconcentrated on deposits (1,260).
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
13 branch offices and 4 institutions in 1994; 39 and 16 in 2025. Deposits booked in the county went from $378.5M to $2.38B, 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 | First Security Bank cert 5633 | $509.9M | 21.38% | 6 | 15.38% |
| 2 | Bank OZK cert 110 | $427.6M | 17.93% | 5 | 12.82% |
| 3 | Arvest Bank cert 8728 | $318.2M | 13.34% | 3 | 7.69% |
| 4 | Regions Bank cert 12368 | $263.8M | 11.06% | 2 | 5.13% |
| 5 | Simmons Bank cert 3890 | $218.7M | 9.17% | 3 | 7.69% |
| 6 | Relyance Bank cert 19371 | $142.8M | 5.99% | 3 | 7.69% |
| 7 | The Malvern National Bank cert 14644 | $107.0M | 4.49% | 3 | 7.69% |
| 8 | Merchants and Farmers Bank cert 8735 | $75.2M | 3.15% | 2 | 5.13% |
| 9 | PEOPLES BANK cert 57058 | $66.5M | 2.79% | 2 | 5.13% |
| 10 | Gateway Bank cert 8730 | $61.2M | 2.57% | 2 | 5.13% |
| 11 | First Horizon Bank cert 4977 | $56.7M | 2.38% | 1 | 2.56% |
| 12 | Farmers Bank & Trust Company cert 1291 | $53.2M | 2.23% | 2 | 5.13% |
| 13 | U.S. Bank National Association cert 6548 | $51.0M | 2.14% | 1 | 2.56% |
| 14 | Centennial Bank cert 11241 | $24.2M | 1.01% | 1 | 2.56% |
| 15 | First Service Bank cert 18519 | $7.3M | 0.31% | 1 | 2.56% |
| 16 | First National Bank Texas cert 3285 | $1.3M | 0.05% | 2 | 5.13% |
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.