| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Union Bank | Bank | 2 | $197.7M | 37.17% |
| 2 | Builtwell Bank | Bank | 2 | $142.1M | 26.72% |
| 3 | One Bank of Tennessee | Bank | 2 | $107.2M | 20.16% |
| 4 | SmartBank | Bank | 1 | $55.8M | 10.49% |
| 5 | Upper Cumberland Federal Credit Union | Credit union | 1 | $29.0M* | 5.45% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $531.8M | 5 | 8 | Union Bank | 37.2% | 2,642 |
| 2024 | $506.9M | 5 | 8 | Union Bank | 37.3% | 2,635 |
| 2023 | $480.5M | 5 | 8 | Union Bank | 38.2% | 2,577 |
| 2022 | $510.3M | 5 | 8 | Union Bank | 40.7% | 2,649 |
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.