| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens Bank | Bank | 3 | $477.5M | 34.04% |
| 2 | Bank of Tennessee | Bank | 5 | $367.6M | 26.21% |
| 3 | Eastman Credit Union | Credit union | 1 | $270.3M* | 19.27% |
| 4 | Northeast Community Credit Union | Credit union | 3 | $117.8M* | 8.40% |
| 5 | Elizabethton Federal Savings Bank | Bank | 2 | $96.0M | 6.84% |
| 6 | Regions Bank | Bank | 1 | $42.4M | 3.03% |
| 7 | Happy Valley Credit Union | Credit union | 1 | $30.0M* | 2.14% |
| 8 | 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 |
|---|---|---|---|---|---|---|
| 2025 | $1.40B | 8 | 17 | Citizens Bank | 34.0% | 2,348 |
| 2024 | $1.24B | 8 | 17 | Citizens Bank | 33.6% | 2,245 |
| 2023 | $1.02B | 7 | 16 | Citizens Bank | 42.4% | 2,909 |
| 2022 | $1.00B | 7 | 16 | Citizens Bank | 39.6% | 2,802 |
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.