| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | One Bank of Tennessee | Bank | 4 | $472.0M | 25.77% |
| 2 | First National Bank of Tennessee | Bank | 2 | $388.6M | 21.21% |
| 3 | Regions Bank | Bank | 3 | $322.1M | 17.58% |
| 4 | FirstBank | Bank | 1 | $209.7M | 11.45% |
| 5 | SmartBank | Bank | 1 | $207.7M | 11.34% |
| 6 | U.S. Bank National Association | Bank | 1 | $71.9M | 3.93% |
| 7 | Highland Federal Savings and Loan Association | Bank | 2 | $60.4M | 3.30% |
| 8 | Upper Cumberland Federal Credit Union | Credit union | 2 | $58.0M* | 3.17% |
| 9 | First Farmers & Commercial Bank | Bank | 1 | $39.6M | 2.16% |
| 10 | FSNB, National Association | Bank | 1 | $1.7M | 0.09% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.83B | 10 | 18 | One Bank of Tennessee | 25.8% | 1,724 |
| 2024 | $1.75B | 10 | 18 | One Bank of Tennessee | 25.9% | 1,751 |
| 2023 | $1.69B | 10 | 18 | One Bank of Tennessee | 25.4% | 1,754 |
| 2022 | $1.69B | 10 | 19 | One Bank of Tennessee | 26.2% | 1,811 |
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