County banking markets / TN / 47149
RutherfordTennessee
FIPS 47149. 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 (699) and unconcentrated on deposits (1,366).
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
42 branch offices and 10 institutions in 1994; 75 and 25 in 2025. Deposits booked in the county went from $992.7M to $7.84B, 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 | Pinnacle Bank cert 35583 | $2.24B | 28.54% | 11 | 14.67% |
| 2 | FirstBank cert 8663 | $800.6M | 10.21% | 6 | 8.00% |
| 3 | Wilson Bank and Trust cert 26962 | $798.3M | 10.18% | 5 | 6.67% |
| 4 | Regions Bank cert 12368 | $714.5M | 9.11% | 8 | 10.67% |
| 5 | Bank of America, National Association cert 3510 | $698.8M | 8.91% | 4 | 5.33% |
| 6 | Truist Bank cert 9846 | $692.5M | 8.83% | 5 | 6.67% |
| 7 | First Horizon Bank cert 4977 | $671.1M | 8.56% | 6 | 8.00% |
| 8 | U.S. Bank National Association cert 6548 | $248.0M | 3.16% | 3 | 4.00% |
| 9 | Fifth Third Bank, National Association cert 6672 | $235.2M | 3.00% | 5 | 6.67% |
| 10 | Volunteer Bank cert 22451 | $133.8M | 1.71% | 2 | 2.67% |
| 11 | JPMorgan Chase Bank, National Association cert 628 | $128.5M | 1.64% | 3 | 4.00% |
| 12 | Southern Bank of Tennessee cert 34847 | $102.7M | 1.31% | 1 | 1.33% |
| 13 | The First National Bank of Middle Tennessee cert 4952 | $98.4M | 1.25% | 2 | 2.67% |
| 14 | SmartBank cert 58463 | $61.7M | 0.79% | 1 | 1.33% |
| 15 | PNC Bank, National Association cert 6384 | $49.8M | 0.63% | 1 | 1.33% |
| 16 | First Vision Bank of Tennessee cert 58201 | $34.6M | 0.44% | 1 | 1.33% |
| 17 | Old National Bank cert 3832 | $33.7M | 0.43% | 1 | 1.33% |
| 18 | CB&S Bank, Inc. cert 15310 | $29.9M | 0.38% | 2 | 2.67% |
| 19 | United Community Bank cert 16889 | $18.6M | 0.24% | 1 | 1.33% |
| 20 | Wells Fargo Bank, National Association cert 3511 | $17.1M | 0.22% | 1 | 1.33% |
| 21 | First Commerce Bank cert 57465 | $13.3M | 0.17% | 1 | 1.33% |
| 22 | Apex Bank cert 9176 | $9.3M | 0.12% | 1 | 1.33% |
| 23 | Republic Bank & Trust Company cert 23627 | $6.8M | 0.09% | 1 | 1.33% |
| 24 | FSNB, National Association cert 16416 | $4.1M | 0.05% | 2 | 2.67% |
| 25 | Tower Community Bank cert 20100 | $1.9M | 0.02% | 1 | 1.33% |
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.