Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $24.1bn book; 43.5% of deposits sit in high-growth markets; the largest market is 35.7% of the book; 5 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 45 markets · 12 citations, every one resolved against the computed rows
45 markets
11 of 45
Deposits are this bank’s pro forma SOD book in each market, not market size. Fayetteville-Springdale-Rogers’s 44.5% is share of that metro; 35.7% is share of Arvest 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 · 45 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
Arvest Bank (cert 8728) · 45 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.
Fayetteville-Springdale-Rogers, AR is a growth market where the franchise is already established (Entrenched Leader (consolidating)).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Tulsa, OK 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.
Little Rock-North Little Rock-Conway, AR 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.
Fort Smith, AR-OK 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.
Kansas City, MO-KS 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.
Hot Springs, 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.
45 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 | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fayetteville-Springdale-Rogers, AR | 22220 | AR | Secondary Metro | High | Entrenched Leader (consolidating) | $191.6m | 7.6% | $8.6bn | 44.5% | -64 bps | +1.93 | ||
| Tulsa, OK | 46140 | OK | Major Metro | Medium | Expanding | $111.2m | 4.4% | $2.8bn | 7.7% | +84 bps | +0.24 | ||
| Little Rock-North Little Rock-Conway, AR | 30780 | AR | Secondary Metro | Medium | Pulling Back | $125.2m | 6.0% | $2.4bn | 6.4% | -451 bps | +0.24 | ||
| Oklahoma City, OK | 36420 | OK | Major Metro | Medium | Pulling Back | $81.3m | 2.5% | $1.5bn | 2.9% | -29 bps | +0.23 | ||
| Fort Smith, AR-OK | 22900 | AR|OK | Small Metro | Low | Entrenched Leader | $117.0m | 4.2% | $1.2bn | 19.5% | +97 bps | -0.41 | ||
| Kansas City, MO-KS | 28140 | KS|MO | Major Metro | Medium | Expanding | $49.1m | 7.6% | $933.6m | 1.0% | +8 bps | -0.18 | ||
| Joplin, MO-KS | 27900 | MO | Small Metro | Medium | Entrenched Leader (consolidating) | $79.7m | 3.8% | $637.4m | 14.8% | -43 bps | +0.01 | ||
| Bartlesville, OK | 12780 | OK | Micropolitan | High | Entrenched Leader | $147.8m | 0.7% | $591.4m | 60.1% | -885 bps | +2.69 | ||
| Hot Springs, AR | 26300 | AR | Small Metro | Medium | Entrenched Leader (consolidating) | $116.9m | 7.9% | $584.5m | 18.7% | -137 bps | -0.27 | ||
| Springfield, MO | 44180 | MO | Secondary Metro | High | Expanding | $70.0m | 19.3% | $560.0m | 3.5% | +75 bps | +0.36 | ||
| Lawton, OK | 30020 | OK | Small Metro | Low | Entrenched Leader | $77.7m | 6.1% | $388.3m | 18.1% | +140 bps | -0.48 | ||
| Mountain Home, AR | 34260 | AR | Micropolitan | Medium | Entrenched Leader | $96.2m | 9.5% | $288.7m | 18.1% | -136 bps | +0.33 | ||
| Shawnee, OK | 43060 | OK | Micropolitan | Low | Entrenched Leader | $142.0m | 4.6% | $283.9m | 15.8% | -191 bps | -0.37 | ||
| Russellville, AR | 40780 | AR | Micropolitan | Medium | Entrenched Leader (consolidating) | $86.7m | 4.9% | $260.2m | 14.4% | -44 bps | -0.01 | ||
| Harrison, AR | 25460 | AR | Micropolitan | Medium | Entrenched Leader (consolidating) | $121.5m | 8.6% | $242.9m | 20.0% | -512 bps | +0.24 | ||
| Duncan, OK | 20340 | OK | Micropolitan | Medium | Entrenched Leader | $104.7m | 5.4% | $209.5m | 15.7% | +236 bps | +0.12 | ||
| Branson, MO | 14700 | MO | Micropolitan | Medium | Entrenched Leader | $89.9m | 6.1% | $179.7m | 11.5% | +77 bps | +0.02 | ||
| Delaware County, Oklahoma | 40041 | OK | Rural | High | Entrenched Leader | $58.3m | 7.3% | $174.8m | 20.3% | +391 bps | +0.44 | ||
| Jonesboro, AR | 27860 | AR | Small Metro | Medium | Established - Mature | $56.3m | 2.3% | $168.8m | 4.2% | +43 bps | +0.31 | ||
| Marion County, Arkansas | 05089 | AR | Rural | Medium | Entrenched Leader | $78.6m | 3.6% | $157.2m | 42.4% | -784 bps | +0.00 | ||
| Miami, OK | 33060 | OK | Micropolitan | Medium | Entrenched Leader | $146.9m | 8.6% | $146.9m | 19.9% | +324 bps | -0.22 | ||
| Tahlequah, OK | 45140 | OK | Micropolitan | High | Entrenched Leader (consolidating) | $64.5m | 6.1% | $128.9m | 14.3% | -306 bps | +0.52 | ||
| Le Flore County, Oklahoma | 40079 | OK | Rural | Medium | Entrenched Leader | $128.3m | 6.8% | $128.3m | 15.6% | +252 bps | -0.17 | ||
| Carroll County, Arkansas | 05015 | AR | Rural | High | Entrenched Leader | $59.0m | 6.1% | $118.0m | 12.1% | +181 bps | +0.48 | ||
| Barry County, Missouri | 29009 | MO | Rural | Medium | Entrenched Leader (consolidating) | $57.7m | 5.1% | $115.4m | 10.7% | -159 bps | +0.11 | ||
| Muskogee, OK | 34780 | OK | Micropolitan | Low | Established - Mature | $53.9m | 3.5% | $107.9m | 7.3% | +45 bps | -0.46 | ||
| Conway County, Arkansas | 05029 | AR | Rural | Medium | Entrenched Leader | $96.1m | 3.7% | $96.1m | 19.4% | +15 bps | +0.25 | ||
| Stone County, Missouri | 29209 | MO | Rural | High | Entrenched Leader (consolidating) | $95.7m | 18.0% | $95.7m | 14.4% | -741 bps | +0.56 | ||
| Mayes County, Oklahoma | 40097 | OK | Rural | Medium | Entrenched Leader | $91.7m | 5.7% | $91.7m | 9.2% | +34 bps | +0.28 | ||
| McAlester, OK | 32540 | OK | Micropolitan | Low | Expanding | $80.6m | 4.2% | $80.6m | 7.3% | +134 bps | -1.42 | ||
| Pittsburg, KS | 38260 | KS | Micropolitan | Low | Expanding | $73.8m | 10.3% | $73.8m | 7.2% | +236 bps | -1.02 | ||
| Nowata County, Oklahoma | 40105 | OK | Rural | Medium | Entrenched Leader | $69.0m | 2.0% | $69.0m | 32.5% | -689 bps | -0.08 | ||
| McDonald County, Missouri | 29119 | MO | Rural | Medium | Entrenched Leader (consolidating) | $67.9m | 3.7% | $67.9m | 22.0% | -15 bps | -0.00 | ||
| Lawrence County, Missouri | 29109 | MO | Rural | Medium | Entrenched Leader | $66.2m | 6.6% | $66.2m | 8.6% | -45 bps | +0.13 | ||
| Stillwater, OK | 44660 | OK | Micropolitan | Medium | Expanding | $65.6m | 8.0% | $65.6m | 3.0% | +56 bps | -0.29 | ||
| Adair County, Oklahoma | 40001 | OK | Rural | Medium | Entrenched Leader | $32.1m | 7.2% | $64.2m | 22.8% | -175 bps | -0.07 | ||
| Ottawa, KS | 36840 | KS | Micropolitan | Low | Entrenched Leader | $63.7m | 2.9% | $63.7m | 9.5% | +6 bps | -0.70 | ||
| Johnson County, Arkansas | 05071 | AR | Rural | Medium | Entrenched Leader | $63.3m | 6.9% | $63.3m | 14.0% | +233 bps | -0.21 | ||
| McIntosh County, Oklahoma | 40091 | OK | Rural | Medium | Entrenched Leader | $58.0m | 2.5% | $58.0m | 14.5% | +144 bps | +0.02 | ||
| Polk County, Arkansas | 05113 | AR | Rural | High | Entrenched Leader | $57.2m | 8.1% | $57.2m | 10.4% | +232 bps | +0.60 | ||
| Dade County, Missouri | 29057 | MO | Rural | High | Entrenched Leader | $54.4m | 10.0% | $54.4m | 38.3% | +1,185 bps | +0.42 | ||
| Vernon County, Missouri | 29217 | MO | Rural | Medium | Entrenched Leader | $53.0m | 5.3% | $53.0m | 12.1% | +149 bps | -0.01 | ||
| Scott County, Arkansas | 05127 | AR | Rural | High | Entrenched Leader | $48.2m | 0.2% | $48.2m | 24.3% | -806 bps | +0.93 | ||
| Lebanon, MO | 30060 | MO | Micropolitan | High | Expanding | $45.8m | 8.9% | $45.8m | 4.8% | +92 bps | +0.65 | ||
| Barton County, Missouri | 29011 | MO | Rural | Medium | Entrenched Leader | $28.2m | -4.2% | $28.2m | 8.7% | +138 bps | +0.28 | ||
| Totals over 45 markets shown | $24.1bn | 64 counties · 228 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.
Arvest Bank (cert 8728) · 45 markets · unfiltered