| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. | Bank | 2 | $182.7M | 17.23% |
| 2 | Y-12 Federal Credit Union | Credit union | 2 | $175.6M* | 16.56% |
| 3 | Peoples Bank of the South | Bank | 2 | $158.0M | 14.90% |
| 4 | Builtwell Bank | Bank | 3 | $149.5M | 14.10% |
| 5 | Ornl Federal Credit Union | Credit union | 1 | $125.7M* | 11.85% |
| 6 | Citizens Bank | Bank | 1 | $88.4M | 8.34% |
| 7 | UBank | Bank | 1 | $60.8M | 5.73% |
| 8 | United Cumberland Bank | Bank | 1 | $46.9M | 4.43% |
| 9 | Hearthside Bank Corporation | Bank | 1 | $44.8M | 4.23% |
| 10 | The First National Bank of Oneida | Bank | 1 | $28.0M | 2.64% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.06B | 10 | 15 | Community Trust Bank, Inc. | 17.2% | 1,279 |
| 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 | 25.4% | 1,448 |
| 2022 | $1.13B | 10 | 15 | Y-12 Federal Credit Union | 27.8% | 1,541 |
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.