County banking markets / TN / 47065
HamiltonTennessee
FIPS 47065. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 95 counties in Tennessee’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (961) and unconcentrated on deposits (1,405).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
101 branch offices and 12 institutions in 1994; 95 and 23 in 2025. Deposits booked in the county went from $3.14B to $12.26B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | First Horizon Bank cert 4977 | $2.72B | 22.19% | 14 | 14.74% |
| 2 | Pinnacle Bank cert 35583 | $2.35B | 19.18% | 3 | 3.16% |
| 3 | Truist Bank cert 9846 | $1.98B | 16.19% | 16 | 16.84% |
| 4 | Regions Bank cert 12368 | $1.61B | 13.15% | 15 | 15.79% |
| 5 | Bank of America, National Association cert 3510 | $773.1M | 6.31% | 5 | 5.26% |
| 6 | FirstBank cert 8663 | $653.6M | 5.33% | 5 | 5.26% |
| 7 | SmartBank cert 58463 | $464.8M | 3.79% | 5 | 5.26% |
| 8 | Builtwell Bank cert 10307 | $373.4M | 3.05% | 6 | 6.32% |
| 9 | SouthEast Bank cert 57348 | $323.1M | 2.64% | 2 | 2.11% |
| 10 | RockPointBank, National Association cert 59206 | $269.9M | 2.20% | 1 | 1.05% |
| 11 | Millennium Bank cert 35138 | $223.0M | 1.82% | 6 | 6.32% |
| 12 | Citizens Tri-County Bank cert 20818 | $147.1M | 1.20% | 2 | 2.11% |
| 13 | Synovus Bank cert 873 | $100.3M | 0.82% | 1 | 1.05% |
| 14 | United Community Bank cert 16889 | $52.1M | 0.42% | 1 | 1.05% |
| 15 | First Citizens National Bank cert 4972 | $39.2M | 0.32% | 2 | 2.11% |
| 16 | First-Citizens Bank & Trust Company cert 11063 | $38.0M | 0.31% | 1 | 1.05% |
| 17 | Mountain Valley Bank cert 1705 | $27.8M | 0.23% | 1 | 1.05% |
| 18 | First Financial Bank, National Association cert 4382 | $23.7M | 0.19% | 2 | 2.11% |
| 19 | Cadence Bank cert 11813 | $23.4M | 0.19% | 1 | 1.05% |
| 20 | JPMorgan Chase Bank, National Association cert 628 | $19.4M | 0.16% | 3 | 3.16% |
| 21 | Tower Community Bank cert 20100 | $19.3M | 0.16% | 1 | 1.05% |
| 22 | Old National Bank cert 3832 | $11.5M | 0.09% | 1 | 1.05% |
| 23 | Wilson Bank and Trust cert 26962 | $9.1M | 0.07% | 1 | 1.05% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Tennessee, or read the methodology for the two HHI constructions and what they cannot tell you.