The numbers in this guide come from the FDIC’s Summary of Deposits, the federal government’s official once-a-year count of every insured bank branch and the deposits it holds, measured each June 30. Because Texarkana straddles the state line, the metro is really two counties: Bowie County on the Texas side and Miller County on the Arkansas side. Add them together and you get the full local picture.

As of the most recent count, those two counties hold 43 bank branches operated by 17 banks, with about $3.07 billion in deposits between them. The Texas side is the larger market, with 29 branches; the Arkansas side has 14.

To make sense of the list, this guide sorts every bank into three groups: hometown banks headquartered in the immediate Texarkana area, regional banks based elsewhere in the Ark-La-Tex, and national and big-regional chains run from corporate headquarters in other states.

These are the banks whose headquarters, boards and decisions live in Texarkana or the small towns right around it. When you bank here, the person who can say yes to your loan often works a few miles away.

Commercial National Bank of Texarkana – 6 branches

The closest thing Texarkana has to a true hometown bank. Commercial National is headquartered in downtown Texarkana, Texas, and is the only locally based bank with a real presence on both sides of the line: two offices in Texas and four in Arkansas, the widest branch network of any single bank in the metro. It is a smaller institution by assets, around $330 million, which is the point. The money it gathers here largely gets lent back out here.

State Bank of De Kalb – 5 branches

Headquartered just west of town in De Kalb, in Bowie County, State Bank of De Kalb is a roughly $520 million community bank that spreads five offices across the Texas side, in Texarkana, Nash, New Boston and De Kalb itself. It is one of the metro’s larger locally owned banks by deposits.

Texana Bank – 3 branches

Based in Linden, in neighboring Cass County, Texana Bank runs three branches in the metro, one in Texas and two in Arkansas. It is a community bank with deep roots in the counties just south of Texarkana.

First National Bank of Hughes Springs – 2 branches

A small Cass County bank, headquartered in Hughes Springs, that reaches the northern edge of Bowie County with offices in Maud and Redwater. It is a reminder that the metro stretches well past the twin cities themselves.

These banks are not headquartered in Texarkana, but they are not national chains either. They are community banks based elsewhere in Arkansas or East Texas that have planted branches here. Their decisions are made regionally, not in a tower in another time zone.

Farmers Bank & Trust Company – 5 branches

Headquartered in Magnolia, Arkansas, Farmers Bank & Trust is one of south Arkansas’s larger community banks and a heavyweight in this market. It runs five branches across the metro, three in Texas and two in Arkansas, and holds the single largest pool of local deposits of any bank here, about $608 million. Its reach extends far beyond Texarkana: in all, Farmers operates roughly 37 branches across Arkansas, Texas and Oklahoma, holding around $2.6 billion in total deposits.

Guaranty Bank & Trust – 4 branches

An East Texas bank headquartered in Mount Pleasant, Guaranty runs four offices here on the Texas side, holding about $329 million in local deposits. It is bigger than that local slice suggests: across all of Texas it operates roughly 34 branches and around $2.6 billion in total deposits. It is also publicly traded on the New York Stock Exchange, so while it carries a community-bank feel and a regional headquarters, it answers to shareholders rather than a single local owner.

Diamond Bank – 1 branch

Don’t let the single Texarkana branch fool you: Diamond is a substantial regional bank. Headquartered in Murfreesboro, Arkansas, the roughly $950 million bank runs about 14 offices across nine southern and western Arkansas counties, from Hot Springs to Hope to De Queen, but keeps just one foot in our metro, on the Texas side.

Bodcaw Bank – 1 branch

A small bank based in Stamps, Arkansas, with one Texarkana office.

First Southern Bank – 1 branch

An Arkansas community bank headquartered in Batesville, with a single branch on the Arkansas side of the metro.

These are the names you would recognize in any American city. Their headquarters are in other states and their balance sheets run into the tens or hundreds of billions of dollars. What stands out in Texarkana is how few branches they actually operate here.

Huntington Bank, formerly Cadence – 4 branches

The metro’s largest national-chain presence by branch count, with four offices, three in Texas and one in Arkansas. Until the summer of 2026 these were Cadence Bank branches, but Cadence was acquired by Ohio-based Huntington Bancshares in a roughly $7.4 billion deal that legally closed on February 1, 2026, and the local branches converted to the Huntington name and signage in June 2026. Huntington is a major regional bank headquartered in Columbus, Ohio, with more than $250 billion in assets and shares traded on the Nasdaq. The company has said it intends to keep the former Cadence branch network in place rather than close offices, so for customers here it is the same locations and the same local staff with a new name on the door.

Bank OZK – 2 branches

An Arkansas success story that grew into a national commercial-real-estate lender of about $42 billion. It is headquartered in Little Rock and keeps one office on each side of the state line here.

Regions Bank – 2 branches

A roughly $160 billion regional based in Birmingham, Alabama, with one branch in Texas and one in Arkansas.

Wells Fargo – 2 branches

The lone coast-to-coast megabank with a retail presence here, running one office on each side. Despite holding more than half a billion dollars in local deposits, Wells Fargo keeps just two branches in the entire metro.

First National Bank Texas / First Convenience Bank – 2 branches

Headquartered in Killeen, Texas, this is the bank inside the Walmart Supercenters, with one location on each side of the line. Convenient hours, tiny deposit footprint.

Simmons Bank, Capital One and Woodforest – 1 branch each

Three more national or large-regional names round out the list. Simmons Bank is a roughly $25 billion Arkansas-grown regional headquartered in Pine Bluff. Capital One, the Virginia-based credit-card and banking giant, keeps a single Texas branch. Woodforest National Bank, based near Houston, runs an in-Walmart office on the Arkansas side.

All 17 banks, with branch counts for each side of the state line, headquarters city, and which group they fall into. Source: FDIC Summary of Deposits.

Counts are full-service FDIC-insured branches as of the June 30, 2024 Summary of Deposits. Standalone ATMs and loan-production offices are not counted. A handful of branches sit in the metro’s smaller towns, including New Boston, Nash, De Kalb, Maud, Redwater and Fouke, rather than in the twin cities themselves.

Banks are only half the story. Texarkana is also home to a deep roster of credit unions, which are not banks at all. A credit union is a not-for-profit cooperative owned by its members rather than by stockholders, regulated by the National Credit Union Administration instead of the FDIC. That is why they sit outside the bank branch counts above.

Red River Credit Union

Headquartered in Texarkana and founded in 1943, Red River is the giant of the group and the single largest member-owned institution based in the metro: roughly $1.55 billion in assets and about 123,000 members across 30-plus branches reaching into Texas, Arkansas, Louisiana, Mississippi and Oklahoma. Measured by assets, this one Texarkana-headquartered cooperative is larger than any locally based bank in town.

TEXAR Federal Credit Union

Founded in 1951 and headquartered on Richmond Road, TEXAR holds about $439 million in assets and serves roughly 30,000 members through offices in Texarkana, New Boston and Atlanta, Texas.

MilWay Federal Credit Union

The big name on the Arkansas side. Founded in 1956 with roots at the Red River Army Depot, MilWay is the fourth-largest credit union in the entire state of Arkansas, with about $188 million in assets and roughly 12,800 members, and branches in Texarkana, Arkansas, Texarkana, Texas and Ashdown.

The neighborhood credit unions

Three smaller cooperatives round out the list, each built around a particular community. Domino Federal Credit Union (founded 1973) holds about $84 million in assets and serves roughly 5,400 members from four offices. Texarkana Terminal Employees Federal Credit Union (founded 1948) grew out of the city’s railroad and transportation workforce and holds about $14 million. And the Federal Employees Credit Union, chartered all the way back in 1932, is the oldest of the bunch, a tiny operation on State Line Avenue serving a few hundred members.

Credit-union figures are drawn from each institution’s NCUA reporting and were current in 2026; assets and membership shift over time. Founding years and headquarters reflect the credit unions’ own published information.

Where your bank is headquartered is not just trivia. It shapes how the bank behaves in the community.

This guide is for general information and is not financial advice. Branch counts, deposits and headquarters come from the FDIC Summary of Deposits (June 30, 2024). Credit-union figures come from the institutions’ own reporting and the National Credit Union Administration. Bank ownership and structure can change as institutions merge; figures were current when this guide was published.