| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. | Bank | 2 | $180.3M | 17.64% |
| 2 | Y-12 Federal Credit Union | Credit union | 2 | $156.7M* | 15.33% |
| 3 | Peoples Bank of the South | Bank | 2 | $154.1M | 15.08% |
| 4 | Builtwell Bank | Bank | 3 | $152.2M | 14.89% |
| 5 | Ornl Federal Credit Union | Credit union | 1 | $117.2M* | 11.47% |
| 6 | Citizens Bank | Bank | 1 | $85.0M | 8.32% |
| 7 | UBank | Bank | 1 | $61.7M | 6.04% |
| 8 | Hearthside Bank Corporation | Bank | 1 | $47.6M | 4.66% |
| 9 | United Cumberland Bank | Bank | 1 | $42.0M | 4.11% |
| 10 | The First National Bank of Oneida | Bank | 1 | $25.1M | 2.46% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.02B | 10 | 15 | Community Trust Bank, Inc. | 17.6% | 1,277 |
| 2024 | $995.2M | 10 | 15 | Y-12 Federal Credit Union | 21.0% | 1,358 |
| 2023 | $1.08B | 10 | 15 | Y-12 Federal Credit Union | 25.7% | 1,457 |
| 2022 | $1.13B | 10 | 15 | Y-12 Federal Credit Union | 28.1% | 1,551 |
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.