BANK & CREDIT UNION INTELLIGENCE

Banks in Denton County, TX

42 FDIC-insured banks operate 163 branches in Denton County, Texas, holding $275.46B in total deposits as of the 2026 FDIC Summary of Deposits. Charles Schwab Bank, SSB leads the market with 81.8% share. Deposit market share is the clearest available measure of competitive position in a local market: it reflects where households and businesses actually keep their money, rather than where institutions advertise or how many branches they operate.

Denton County market profile

Understanding a deposit market requires knowing the market itself. These figures come from the US Census Bureau American Community Survey 2024 five-year estimates. Median family income is the measure federal regulators use to define low- and moderate-income thresholds under the Community Reinvestment Act, which is why it is reported here separately from household income.

Population979,561
Median family income$134,936
Median home value$437,200
Banks operating in county42
Bank branches163

Deposit market share in Denton County

Ranked by deposits held within county borders. A bank's county deposits are the sum across all of its branches in that county, so an institution with several locations appears once. Figures are as of June 30, 2026, the annual reporting date for the FDIC Summary of Deposits.

RankBankDepositsShareBranches
1 Charles Schwab Bank, SSB $225.25B 81.77% 1
2 Charles Schwab Premier Bank, SSB $24.46B 8.88% 1
3 Charles Schwab Trust Bank $9.68B 3.51% 1
4 JPMorgan Chase Bank, National Association $4.16B 1.51% 20
5 Bank of America, National Association $2.63B 0.95% 13
6 Wells Fargo Bank, National Association $2.15B 0.78% 17
7 Pointbank $968.3M 0.35% 9
8 PNC Bank, National Association $882.9M 0.32% 12
9 SouthState Bank, National Association $822.8M 0.30% 11
10 First United Bank and Trust Company $647.1M 0.23% 5
11 Bank OZK $378.2M 0.14% 6
12 American National Bank & Trust $275.8M 0.10% 3
13 Prosperity Bank $267.6M 0.10% 5
14 Ciera Bank $264.1M 0.10% 3
15 Texas Regional Bank $244.2M 0.09% 3
16 First State Bank $221.8M 0.08% 3
17 First Financial Bank $212.0M 0.08% 1
18 Frost Bank $209.1M 0.08% 6
19 Bank of the West $206.4M 0.07% 3
20 Glacier Bank $192.7M 0.07% 2
21 Sanger Bank $136.2M 0.05% 1
22 NBH Bank $104.3M 0.04% 1
23 Fifth Third Bank, National Association $96.9M 0.04% 2
24 Truist Bank $95.7M 0.03% 5
25 Inwood National Bank $93.8M 0.03% 1
26 First National Bank of Omaha $85.4M 0.03% 1
27 First National Bank Texas $83.6M 0.03% 9
28 Woori America Bank $79.9M 0.03% 1
29 Texas Bank and Trust Company $79.7M 0.03% 1
30 First Guaranty Bank $73.7M 0.03% 1
31 Worthington Bank $72.8M 0.03% 1
32 Lamar National Bank $63.6M 0.02% 1
33 Texas Republic Bank, National Association $63.0M 0.02% 1
34 First Bank $45.7M 0.02% 1
35 Colonial Savings, F.A. $40.2M 0.01% 1
36 UMB Bank, National Association $34.4M 0.01% 1
37 Commercial Bank of Texas, National Association $23.1M 0.01% 1
38 Regions Bank $20.6M 0.01% 1
39 Woodforest National Bank $20.4M 0.01% 4
40 PlainsCapital Bank $17.3M 0.01% 1
41 One World Bank $14.0M 0.01% 1
42 Hancock Whitney Bank $436,000 0.00% 1

About this data

The FDIC Summary of Deposits is an annual survey of branch office deposits filed by every FDIC-insured institution as of June 30 each year. It is the authoritative source for local deposit market share and is the dataset regulators use when assessing competitive effects of bank mergers. Because it is annual, it reflects a point in time rather than current balances. Vault republishes it without modification, free to access and free to cite. Available to AI agents at vaultbot.ai/mcp.