Not necessarily. In creeks and streams you may not find them all that large, but try in the deeper eddies and still water sections. You can often find them closer to shore. I like to cast upstream and let the bait follow the natural flow. The fish will often face up stream and wait for food to float past them, and then they gobble it up. I have found underwater "caves" or spots where there is natural shelter to be productive for the larger fish when it comes to streams and creeks.
One thing I have learned when it comes to stream fishing - especially for trout, you have to be pretty stealthy and sneak up cautiously to your spots. The fish can see you or your shadow approaching and they will scatter. In smaller waterways where predation by bears, birds, and other critters is more of a factor, the fish tend to be very skittish.
I have much better luck in lakes then in streams. It helps to know what the fish are eating at that time of year and try to either catch some of those bugs, or use a bait that comes close to replicating the size and color of the current bug supply. It will vary at different times of the year for the same locations.
I am speaking mainly of trout as that is what we have in abundance around here - and salmon. Not sure about Bass or other species common in the US as I don't do much bass fishing.
I have also found that where a stream or river empties into a lake to be good fishing too. Particularly if there are underwater shelves near the opening. Get out there in the wee hours of the morning and catch your fill.