Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $21.8bn book; 30.0% of deposits sit in high-growth markets; the largest market is 23.5% of the book; 14 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 73 markets · 12 citations, every one resolved against the computed rows
73 markets
25 of 73
Deposits are this bank’s pro forma SOD book in each market, not market size. Little Rock-North Little Rock-Conway’s 13.8% is share of that metro; 23.5% is share of Simmons Bank’s own book.
Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.
Footprint map
Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.
Shading: Bank deposits (current) (US dollars) · sequential ramp · 73 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
Simmons Bank (cert 3890) · 73 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC
Loading county geometry…
Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.
Little Rock-North Little Rock-Conway, AR is a growth market where the franchise is already established (Entrenched Leader).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Nashville-Davidson--Murfreesboro--Franklin, TN is a growth market where the franchise is already established (Expanding).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Dallas-Fort Worth-Arlington, TX is a growth market where the franchise is already established (Pulling Back).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Pine Bluff, AR scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
St. Louis, MO-IL scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Memphis, TN-MS-AR scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.
Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.
Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.
73 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden
CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Little Rock-North Little Rock-Conway, AR | 30780 | AR | Secondary Metro | Medium | Entrenched Leader | $255.8m | 18.5% | $5.1bn | 13.8% | +774 bps | +0.24 | ||
| Pine Bluff, AR | 38220 | AR | Micropolitan | Low | Entrenched Leader | $222.0m | 7.1% | $1.6bn | 59.0% | -1,690 bps | -1.63 | ||
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34980 | TN | Major Metro | High | Expanding | $151.8m | 19.8% | $1.5bn | 1.9% | +123 bps | +1.32 | ||
| St. Louis, MO-IL | 41180 | MO | Major Metro | Medium | Pulling Back | $77.3m | 30.7% | $1.4bn | 1.3% | -24 bps | -0.02 | ||
| Dallas-Fort Worth-Arlington, TX | 19100 | TX | Major Metro | High | Pulling Back | $67.8m | -3.8% | $1.1bn | 0.3% | -14 bps | +0.87 | ||
| Houston-Pasadena-The Woodlands, TX | 26420 | TX | Major Metro | High | New Entrant | $83.6m | -12.9% | $668.6m | 0.2% | +20 bps | +0.73 | ||
| Memphis, TN-MS-AR | 32820 | TN | Major Metro | Low | Expanding | $65.9m | 26.8% | $659.3m | 2.0% | +165 bps | -0.54 | ||
| Sherman-Denison, TX | 43300 | TX | Small Metro | High | Entrenched Leader (consolidating) | $115.7m | 0.9% | $578.3m | 14.6% | -442 bps | +1.52 | ||
| Columbia, MO | 17860 | MO | Small Metro | Medium | Entrenched Leader | $113.5m | -8.1% | $567.4m | 10.0% | -740 bps | +0.11 | ||
| Stillwater, OK | 44660 | OK | Micropolitan | Medium | Entrenched Leader | $177.4m | -0.3% | $532.2m | 24.1% | -715 bps | -0.29 | ||
| Jonesboro, AR | 27860 | AR | Small Metro | Medium | Entrenched Leader | $97.5m | 4.2% | $390.1m | 8.7% | -89 bps | +0.31 | ||
| Oklahoma City, OK | 36420 | OK | Major Metro | Medium | Pulling Back | $64.4m | -4.5% | $386.5m | 0.8% | -73 bps | +0.23 | ||
| Fayetteville-Springdale-Rogers, AR | 22220 | AR | Secondary Metro | High | Established - Mature | $47.3m | 5.6% | $378.2m | 2.0% | -75 bps | +1.92 | ||
| Springfield, MO | 44180 | MO | Secondary Metro | High | Established - Mature | $48.6m | -0.9% | $340.3m | 2.1% | -144 bps | +0.35 | ||
| El Dorado, AR | 20980 | AR | Micropolitan | Low | Entrenched Leader | $96.6m | 3.9% | $289.8m | 17.9% | -61 bps | -0.95 | ||
| Jackson, TN | 27180 | TN | Small Metro | Medium | Established - Mature | $72.3m | 3.0% | $289.4m | 7.7% | -310 bps | +0.32 | ||
| Russellville, AR | 40780 | AR | Micropolitan | Medium | Entrenched Leader | $133.0m | 7.2% | $266.0m | 14.7% | +200 bps | -0.01 | ||
| DeWitt County, Texas | 48123 | TX | Rural | Low | New Entrant | $265.3m | 6.0% | $265.3m | 16.0% | +1,603 bps | -0.40 | ||
| Kansas City, MO-KS | 28140 | KS|MO | Major Metro | Medium | Established - Mature | $88.1m | 21.8% | $264.2m | 0.3% | +11 bps | -0.18 | ||
| Athens, TX | 11980 | TX | Micropolitan | High | New Entrant | $87.3m | 30.2% | $262.0m | 16.4% | +1,637 bps | +0.94 | ||
| Martin, TN | 32280 | TN | Micropolitan | Low | Entrenched Leader (consolidating) | $84.8m | -1.0% | $254.3m | 30.2% | -1,363 bps | -0.61 | ||
| Hot Springs, AR | 26300 | AR | Small Metro | Medium | Established - Mature | $79.5m | 5.4% | $238.4m | 7.6% | -110 bps | -0.26 | ||
| Monroe County, Tennessee | 47123 | TN | Rural | High | Entrenched Leader | $73.1m | 8.5% | $219.4m | 22.3% | -14 bps | +0.86 | ||
| Mineral Wells, TX | 33420 | TX | Micropolitan | Medium | New Entrant | $99.3m | 16.8% | $198.7m | 14.6% | +1,464 bps | +0.00 | ||
| West Plains, MO | 48460 | MO | Micropolitan | Medium | Entrenched Leader (consolidating) | $62.6m | -1.4% | $187.9m | 14.2% | -452 bps | +0.07 | ||
| Hardeman County, Tennessee | 47069 | TN | Rural | Low | Entrenched Leader | $81.0m | 5.3% | $162.1m | 31.3% | -79 bps | -0.40 | ||
| Union City, TN | 46460 | TN | Micropolitan | Medium | Entrenched Leader (consolidating) | $79.7m | -9.6% | $159.3m | 18.5% | -1,057 bps | -0.30 | ||
| Beeville, TX | 13300 | TX | Micropolitan | Medium | New Entrant | $148.0m | -0.1% | $148.0m | 35.9% | +3,587 bps | +0.02 | ||
| Joplin, MO-KS | 27900 | MO | Small Metro | Medium | Established - Mature | $146.1m | 8.8% | $146.1m | 5.3% | +31 bps | +0.01 | ||
| Dyersburg, TN | 20540 | TN | Micropolitan | Medium | Entrenched Leader | $72.7m | 19.1% | $145.4m | 13.3% | -194 bps | -0.07 | ||
| College Station-Bryan, TX | 17780 | TX | Secondary Metro | High | New Entrant | $144.8m | 18.5% | $144.8m | 1.9% | +192 bps | +0.52 | ||
| Knoxville, TN | 28940 | TN | Secondary Metro | High | Expanding | $70.8m | 23.1% | $141.5m | 4.0% | +122 bps | +1.16 | ||
| Chicot County, Arkansas | 05017 | AR | Rural | Low | Entrenched Leader | $69.4m | 4.6% | $138.7m | 45.8% | -574 bps | -1.05 | ||
| Searcy, AR | 42620 | AR | Micropolitan | High | Pulling Back | $135.3m | 2.0% | $135.3m | 6.6% | -107 bps | +0.46 | ||
| San Antonio-New Braunfels, TX | 41700 | TX | Major Metro | High | Expanding | $134.6m | 42.7% | $134.6m | 5.0% | +502 bps | +0.95 | ||
| Texas County, Missouri | 29215 | MO | Rural | High | Entrenched Leader | $66.6m | -0.5% | $133.2m | 25.7% | -928 bps | +0.76 | ||
| Tulsa, OK | 46140 | OK | Major Metro | Medium | New Entrant | $131.7m | -7.4% | $131.7m | 0.4% | -42 bps | +0.24 | ||
| Cedar County, Missouri | 29039 | MO | Rural | High | Entrenched Leader | $60.5m | 0.7% | $121.1m | 30.0% | -556 bps | +0.69 | ||
| Fort Smith, AR-OK | 22900 | AR | Small Metro | Low | Established - Mature | $38.7m | 0.5% | $116.1m | 2.8% | -95 bps | -0.38 | ||
| Ada, OK | 10220 | OK | Micropolitan | Medium | Established - Mature | $114.0m | -18.8% | $114.0m | 6.4% | -1,196 bps | +0.08 | ||
| Comanche County, Texas | 48093 | TX | Rural | High | New Entrant | $113.5m | -14.4% | $113.5m | 26.2% | +2,618 bps | +0.83 | ||
| Wichita, KS | 48620 | KS | Secondary Metro | Low | Established - Mature | $36.9m | 12.5% | $110.7m | 0.6% | -48 bps | -0.49 | ||
| Franklin County, Arkansas | 05047 | AR | Rural | High | Entrenched Leader | $48.9m | 1.5% | $97.8m | 27.6% | +540 bps | +0.72 | ||
| Searcy County, Arkansas | 05129 | AR | Rural | Medium | Entrenched Leader | $88.1m | 6.5% | $88.1m | 52.9% | +320 bps | -0.17 | ||
| McMullen County, Texas | 48311 | TX | Rural | Low | Entrenched Leader | $81.1m | 11.9% | $81.1m | 100.0% | +10,000 bps | -0.53 | ||
| Sedalia, MO | 42740 | MO | Micropolitan | Medium | Established - Mature | $80.7m | 0.8% | $80.7m | 7.8% | -168 bps | +0.32 | ||
| Stone County, Missouri | 29209 | MO | Rural | High | Entrenched Leader (consolidating) | $40.2m | 0.9% | $80.5m | 12.2% | -944 bps | +0.56 | ||
| Durant, OK | 20460 | OK | Micropolitan | High | New Entrant | $37.1m | -2.5% | $74.2m | 1.9% | -214 bps | +1.15 | ||
| Gainesville, TX | 23620 | TX | Micropolitan | High | Established - Mature | $61.4m | -4.9% | $61.4m | 4.3% | -277 bps | +0.49 | ||
| Desha County, Arkansas | 05041 | AR | Rural | Low | Entrenched Leader | $60.1m | 6.5% | $60.1m | 13.0% | -63 bps | -1.24 | ||
| Drew County, Arkansas | 05043 | AR | Rural | Low | Entrenched Leader | $60.1m | 7.6% | $60.1m | 9.9% | -192 bps | -0.49 | ||
| Tyler, TX | 46340 | TX | Secondary Metro | High | New Entrant | $58.6m | -11.8% | $58.6m | 0.6% | +63 bps | +0.51 | ||
| Haywood County, Tennessee | 47075 | TN | Rural | High | Entrenched Leader | $56.6m | 15.9% | $56.6m | 15.3% | -1,201 bps | +0.49 | ||
| Branson, MO | 14700 | MO | Micropolitan | Medium | Established - Mature | $56.0m | 7.8% | $56.0m | 3.6% | -70 bps | +0.07 | ||
| Henderson County, Tennessee | 47077 | TN | Rural | High | Established - Mature | $53.8m | 4.2% | $53.8m | 7.5% | +26 bps | +0.36 | ||
| Lawrence County, Missouri | 29109 | MO | Rural | Medium | Established - Mature | $50.8m | 1.0% | $50.8m | 6.6% | -462 bps | +0.14 | ||
| Texarkana, TX-AR | 45500 | TX | Small Metro | Medium | New Entrant | $48.8m | 394.0% | $48.8m | 2.2% | +222 bps | -0.28 | ||
| Hutchinson, KS | 26740 | KS | Micropolitan | Low | Pulling Back | $46.7m | -3.2% | $46.7m | 3.0% | -331 bps | -0.45 | ||
| Lincoln County, Arkansas | 05079 | AR | Rural | Medium | Entrenched Leader | $46.3m | 5.9% | $46.3m | 28.9% | +27 bps | +0.07 | ||
| Van Buren County, Arkansas | 05141 | AR | Rural | Medium | Entrenched Leader | $45.5m | -3.6% | $45.5m | 10.5% | -639 bps | +0.20 | ||
| Ashley County, Arkansas | 05003 | AR | Rural | Low | Entrenched Leader (consolidating) | $45.5m | 1.1% | $45.5m | 13.2% | -170 bps | -1.01 | ||
| Johnson County, Arkansas | 05071 | AR | Rural | Medium | Entrenched Leader | $44.0m | 2.3% | $44.0m | 9.7% | -324 bps | -0.19 | ||
| Marshall County, Oklahoma | 40095 | OK | Rural | High | Entrenched Leader | $42.6m | -16.3% | $42.6m | 10.5% | -2,779 bps | +0.64 | ||
| Fulton County, Arkansas | 05049 | AR | Rural | Medium | Entrenched Leader | $42.1m | 2.0% | $42.1m | 14.9% | -53 bps | -0.13 | ||
| Murray County, Oklahoma | 40099 | OK | Rural | Low | Entrenched Leader (consolidating) | $40.8m | -3.3% | $40.8m | 10.1% | -472 bps | -0.56 | ||
| Dade County, Missouri | 29057 | MO | Rural | High | Entrenched Leader (consolidating) | $40.6m | -3.8% | $40.6m | 28.6% | -1,609 bps | +0.43 | ||
| Johnston County, Oklahoma | 40069 | OK | Rural | Medium | Entrenched Leader | $37.0m | -17.7% | $37.0m | 20.8% | -6,273 bps | +0.32 | ||
| Ardmore, OK | 11620 | OK | Micropolitan | Medium | Established - Mature | $36.3m | -19.9% | $36.3m | 2.2% | -552 bps | -0.28 | ||
| Corpus Christi, TX | 18580 | TX | Secondary Metro | Low | New Entrant | $32.1m | 4.8% | $32.1m | 0.5% | +49 bps | -0.51 | ||
| Paragould, AR | 37500 | AR | Micropolitan | Medium | Established - Mature | $31.8m | 10.7% | $31.8m | 2.3% | -4 bps | -0.15 | ||
| Stone County, Arkansas | 05137 | AR | Rural | Medium | Established - Mature | $28.0m | 6.5% | $28.0m | 5.4% | -96 bps | +0.30 | ||
| Garvin County, Oklahoma | 40049 | OK | Rural | Low | Established - Mature | $26.9m | -6.8% | $26.9m | 2.6% | -279 bps | -0.70 | ||
| Cleveland, TN | 17420 | TN | Small Metro | High | New Entrant | $8.3m | —— | $8.3m | 0.3% | +32 bps | +0.54 | ||
| Totals over 73 markets shown | $21.8bn | 96 counties · 229 offices |
Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.
Every threshold, gate and vintage, generated with this bank’s own figures.
Simmons Bank (cert 3890) · 73 markets · unfiltered