| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Citizens National Bank | Bank | 15 | $1.48B | 31.63% |
| 2 | SmartBank | Bank | 6 | $1.29B | 27.60% |
| 3 | Tennessee State Bank | Bank | 11 | $722.4M | 15.41% |
| 4 | First Horizon Bank | Bank | 3 | $267.0M | 5.69% |
| 5 | Truist Bank | Bank | 2 | $197.4M | 4.21% |
| 6 | Knoxville Tva Employees Credit Union | Credit union | 1 | $183.4M* | 3.91% |
| 7 | Home Federal Bank of Tennessee | Bank | 4 | $166.7M | 3.56% |
| 8 | Ornl Federal Credit Union | Credit union | 1 | $125.7M* | 2.68% |
| 9 | U.S. Bank National Association | Bank | 2 | $93.7M | 2.00% |
| 10 | Y-12 Federal Credit Union | Credit union | 1 | $87.8M* | 1.87% |
| 3 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $4.69B | 13 | 50 | Citizens National Bank | 31.6% | 2,093 |
| 2025 | $4.49B | 12 | 49 | Citizens National Bank | 32.1% | 2,083 |
| 2024 | $4.40B | 12 | 49 | SmartBank | 31.5% | 2,072 |
| 2023 | $4.45B | 12 | 49 | SmartBank | 31.4% | 2,008 |
| 2022 | $4.68B | 12 | 50 | SmartBank | 31.4% | 2,055 |
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.