| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Y-12 Federal Credit Union | Credit union | 4 | $351.1M* | 51.44% |
| 2 | Community Trust Bank, Inc. | Bank | 3 | $135.3M | 19.83% |
| 3 | Hearthside Bank Corporation | Bank | 2 | $128.4M | 18.82% |
| 4 | Commercial Bank | Bank | 2 | $53.3M | 7.81% |
| 5 | Arh Federal Credit Union | Credit union | 1 | $14.4M* | 2.11% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $682.6M | 5 | 12 | Y-12 Federal Credit Union | 51.4% | 3,459 |
| 2025 | $717.4M | 6 | 14 | Y-12 Federal Credit Union | 32.8% | 2,314 |
| 2024 | $537.7M | 5 | 11 | First State Bank Of The Southeast, Inc | 46.0% | 3,115 |
| 2023 | $523.6M | 5 | 11 | First State Bank Of The Southeast, Inc | 44.5% | 3,023 |
| 2022 | $518.8M | 5 | 11 | First State Bank Of The Southeast, Inc | 42.9% | 2,939 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.