County banking markets / TN / 47093
KnoxTennessee
FIPS 47093. 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 (737) and unconcentrated on deposits (1,121).
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
104 branch offices and 15 institutions in 1994; 130 and 31 in 2025. Deposits booked in the county went from $3.71B to $19.26B, 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 | $3.65B | 18.94% | 19 | 14.62% |
| 2 | Pinnacle Bank cert 35583 | $2.85B | 14.80% | 5 | 3.85% |
| 3 | Truist Bank cert 9846 | $2.82B | 14.66% | 11 | 8.46% |
| 4 | Regions Bank cert 12368 | $2.08B | 10.83% | 16 | 12.31% |
| 5 | Home Federal Bank of Tennessee cert 29683 | $1.81B | 9.39% | 17 | 13.08% |
| 6 | SouthEast Bank cert 57348 | $1.33B | 6.90% | 5 | 3.85% |
| 7 | Mountain Commerce Bank cert 4931 | $1.14B | 5.93% | 2 | 1.54% |
| 8 | FirstBank cert 8663 | $745.7M | 3.87% | 4 | 3.08% |
| 9 | Bank of America, National Association cert 3510 | $653.0M | 3.39% | 3 | 2.31% |
| 10 | SmartBank cert 58463 | $568.6M | 2.95% | 3 | 2.31% |
| 11 | Fifth Third Bank, National Association cert 6672 | $200.1M | 1.04% | 2 | 1.54% |
| 12 | U.S. Bank National Association cert 6548 | $178.9M | 0.93% | 6 | 4.62% |
| 13 | First-Citizens Bank & Trust Company cert 11063 | $157.7M | 0.82% | 2 | 1.54% |
| 14 | Bank of Tennessee cert 21573 | $113.9M | 0.59% | 1 | 0.77% |
| 15 | First Century Bank cert 1700 | $106.4M | 0.55% | 3 | 2.31% |
| 16 | Commercial Bank cert 22354 | $96.1M | 0.50% | 4 | 3.08% |
| 17 | United Community Bank cert 16889 | $92.7M | 0.48% | 1 | 0.77% |
| 18 | Citizens Bank cert 14851 | $84.6M | 0.44% | 2 | 1.54% |
| 19 | First US Bank cert 17077 | $84.5M | 0.44% | 2 | 1.54% |
| 20 | UBank cert 1693 | $83.4M | 0.43% | 1 | 0.77% |
| 21 | Tennessee State Bank cert 20720 | $68.2M | 0.35% | 3 | 2.31% |
| 22 | JPMorgan Chase Bank, National Association cert 628 | $67.5M | 0.35% | 2 | 1.54% |
| 23 | TNBANK cert 34023 | $61.5M | 0.32% | 2 | 1.54% |
| 24 | Citizens National Bank cert 20954 | $49.1M | 0.25% | 1 | 0.77% |
| 25 | First Peoples Bank of Tennessee cert 21874 | $42.9M | 0.22% | 2 | 1.54% |
| 26 | Apex Bank cert 9176 | $37.8M | 0.20% | 3 | 2.31% |
| 27 | Renasant Bank cert 12437 | $25.8M | 0.13% | 1 | 0.77% |
| 28 | Builtwell Bank cert 10307 | $24.9M | 0.13% | 1 | 0.77% |
| 29 | Old National Bank cert 3832 | $19.5M | 0.10% | 1 | 0.77% |
| 30 | Hearthside Bank Corporation cert 31236 | $7.0M | 0.04% | 1 | 0.77% |
| 31 | FSNB, National Association cert 16416 | $4.8M | 0.02% | 4 | 3.08% |
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.