33 FDIC-insured banks operate 176 branches in Pulaski County, Arkansas, holding $28.79B in total deposits as of the 2026 FDIC Summary of Deposits. Bank OZK leads the market with 26.2% 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.
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.
| Population | 399,818 |
|---|---|
| Median family income | $86,131 |
| Median home value | $214,700 |
| Banks operating in county | 33 |
| Bank branches | 176 |
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.
| Rank | Bank | Deposits | Share | Branches |
|---|---|---|---|---|
| 1 | Bank OZK | $7.56B | 26.24% | 15 |
| 2 | Bank of America, National Association | $5.07B | 17.60% | 9 |
| 3 | Simmons Bank | $3.63B | 12.59% | 16 |
| 4 | Arvest Bank | $1.82B | 6.32% | 12 |
| 5 | Regions Bank | $1.62B | 5.63% | 14 |
| 6 | ENCORE BANK | $1.62B | 5.61% | 2 |
| 7 | First Security Bank | $1.34B | 4.67% | 12 |
| 8 | Centennial Bank | $1.20B | 4.16% | 15 |
| 9 | Central Bank | $656.4M | 2.28% | 2 |
| 10 | U.S. Bank National Association | $614.8M | 2.14% | 9 |
| 11 | The Huntington National Bank | $498.7M | 1.73% | 5 |
| 12 | First Arkansas Bank and Trust | $494.5M | 1.72% | 8 |
| 13 | First Horizon Bank | $354.2M | 1.23% | 4 |
| 14 | The Citizens Bank | $286.3M | 0.99% | 2 |
| 15 | Bank of Little Rock | $231.5M | 0.80% | 5 |
| 16 | First National Bank | $211.6M | 0.73% | 6 |
| 17 | Southern Bancorp Bank | $192.8M | 0.67% | 2 |
| 18 | JPMorgan Chase Bank, National Association | $192.0M | 0.67% | 7 |
| 19 | Stone Bank | $190.3M | 0.66% | 1 |
| 20 | First Community Bank | $179.3M | 0.62% | 2 |
| 21 | Relyance Bank | $165.1M | 0.57% | 4 |
| 22 | Eagle Bank and Trust Company | $158.3M | 0.55% | 5 |
| 23 | First Service Bank | $140.9M | 0.49% | 2 |
| 24 | First National Banker's Bank | $115.2M | 0.40% | 1 |
| 25 | Armor Bank | $75.8M | 0.26% | 3 |
| 26 | First Financial Bank | $40.4M | 0.14% | 1 |
| 27 | The Malvern National Bank | $39.3M | 0.14% | 2 |
| 28 | Riverside Bank | $37.8M | 0.13% | 1 |
| 29 | Bank of England | $27.7M | 0.10% | 2 |
| 30 | Partners Bank | $24.6M | 0.09% | 1 |
| 31 | Sterling Bank | $12.7M | 0.04% | 1 |
| 32 | First National Bank Texas | $5.1M | 0.02% | 4 |
| 33 | Producers Bank & Trust | — | 0.00% | 1 |
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.