| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens Bank | Bank | 3 | $499.4M | 35.10% |
| 2 | Bank of Tennessee | Bank | 5 | $352.6M | 24.79% |
| 3 | Eastman Credit Union | Credit union | 1 | $285.6M* | 20.07% |
| 4 | Northeast Community Credit Union | Credit union | 3 | $123.4M* | 8.67% |
| 5 | Elizabethton Federal Savings Bank | Bank | 2 | $97.0M | 6.82% |
| 6 | Regions Bank | Bank | 1 | $42.6M | 2.99% |
| 7 | Happy Valley Credit Union | Credit union | 2 | $15.2M* | 1.07% |
| 8 | TowneBank | Bank | 1 | $5.7M | 0.40% |
| 9 | FSNB, National Association | Bank | 1 | $1.1M | 0.08% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.42B | 9 | 19 | Citizens Bank | 35.1% | 2,381 |
| 2025 | $1.43B | 9 | 18 | Citizens Bank | 33.4% | 2,269 |
| 2024 | $1.27B | 9 | 18 | Citizens Bank | 32.8% | 2,143 |
| 2023 | $1.06B | 8 | 17 | Citizens Bank | 40.7% | 2,699 |
| 2022 | $1.05B | 8 | 18 | Citizens Bank | 37.7% | 2,570 |
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.