County banking markets / AR / 05131
SebastianArkansas
FIPS 05131. 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 (1,077) and moderately concentrated on deposits (1,743).
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 10 institutions in 1994; 54 and 16 in 2025. Deposits booked in the county went from $1.49B to $4.09B, 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 | The First National Bank of Fort Smith cert 3864 | $1.20B | 29.44% | 11 | 20.37% |
| 2 | Arvest Bank cert 8728 | $945.1M | 23.13% | 6 | 11.11% |
| 3 | Cadence Bank cert 11813 | $605.4M | 14.82% | 5 | 9.26% |
| 4 | Farmers Bank cert 1296 | $235.8M | 5.77% | 9 | 16.67% |
| 5 | Bank OZK cert 110 | $199.7M | 4.89% | 3 | 5.56% |
| 6 | Regions Bank cert 12368 | $181.0M | 4.43% | 3 | 5.56% |
| 7 | First Security Bank cert 5633 | $160.3M | 3.92% | 2 | 3.70% |
| 8 | Armstrong Bank cert 2315 | $142.4M | 3.49% | 2 | 3.70% |
| 9 | Simmons Bank cert 3890 | $116.1M | 2.84% | 3 | 5.56% |
| 10 | Chambers Bank cert 5615 | $76.0M | 1.86% | 2 | 3.70% |
| 11 | First Western Bank cert 13083 | $59.9M | 1.47% | 1 | 1.85% |
| 12 | Firstar Bank cert 19288 | $56.7M | 1.39% | 1 | 1.85% |
| 13 | Centennial Bank cert 11241 | $51.3M | 1.26% | 2 | 3.70% |
| 14 | Today's Bank cert 33470 | $33.1M | 0.81% | 1 | 1.85% |
| 15 | Grand Savings Bank cert 32084 | $17.8M | 0.44% | 1 | 1.85% |
| 16 | First National Bank Texas cert 3285 | $2.5M | 0.06% | 2 | 3.70% |
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.