| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Centennial Bank | Bank | 2 | $908.5M | 76.86% |
| 2 | Bank of Tennessee | Bank | 1 | $150.6M | 12.75% |
| 3 | Clinchfield Federal Credit Union | Credit union | 1 | $122.8M* | 10.39% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.18B | 3 | 4 | Centennial Bank | 76.9% | 6,178 |
| 2025 | $421.0M | 3 | 4 | Mountain Commerce Bank | 42.6% | 3,469 |
| 2024 | $376.4M | 3 | 4 | Mountain Commerce Bank | 45.7% | 3,572 |
| 2023 | $374.3M | 3 | 4 | Mountain Commerce Bank | 42.5% | 3,492 |
| 2022 | $356.7M | 3 | 4 | Mountain Commerce Bank | 39.5% | 3,425 |
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.