County banking markets / TN / 47157
ShelbyTennessee
FIPS 47157. 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 (671) and moderately concentrated on deposits (2,081).
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
215 branch offices and 27 institutions in 1994; 205 and 33 in 2025. Deposits booked in the county went from $9.00B to $32.05B, 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 | $13.54B | 42.23% | 28 | 13.66% |
| 2 | Regions Bank cert 12368 | $3.67B | 11.45% | 30 | 14.63% |
| 3 | Pinnacle Bank cert 35583 | $2.47B | 7.70% | 7 | 3.41% |
| 4 | Bank of America, National Association cert 3510 | $1.80B | 5.61% | 11 | 5.37% |
| 5 | Independent Bank cert 34728 | $1.55B | 4.83% | 9 | 4.39% |
| 6 | Truist Bank cert 9846 | $1.36B | 4.25% | 15 | 7.32% |
| 7 | Financial Federal Bank cert 31840 | $809.5M | 2.53% | 1 | 0.49% |
| 8 | Paragon Bank cert 57874 | $640.4M | 2.00% | 4 | 1.95% |
| 9 | Cadence Bank cert 11813 | $635.2M | 1.98% | 9 | 4.39% |
| 10 | Simmons Bank cert 3890 | $575.7M | 1.80% | 10 | 4.88% |
| 11 | Renasant Bank cert 12437 | $512.6M | 1.60% | 5 | 2.44% |
| 12 | Trustmark National Bank cert 4988 | $500.4M | 1.56% | 12 | 5.85% |
| 13 | Wells Fargo Bank, National Association cert 3511 | $478.4M | 1.49% | 6 | 2.93% |
| 14 | Bank of Bartlett cert 23123 | $462.5M | 1.44% | 7 | 3.41% |
| 15 | The Bank of Fayette County cert 10308 | $398.8M | 1.24% | 3 | 1.46% |
| 16 | Commercial Bank & Trust Co. cert 8660 | $324.2M | 1.01% | 2 | 0.98% |
| 17 | BankTennessee cert 29177 | $311.4M | 0.97% | 5 | 2.44% |
| 18 | First Citizens National Bank cert 4972 | $306.8M | 0.96% | 4 | 1.95% |
| 19 | Bank3 cert 15205 | $266.7M | 0.83% | 2 | 0.98% |
| 20 | FirstBank cert 8663 | $230.1M | 0.72% | 2 | 0.98% |
| 21 | Patriot Bank cert 57416 | $224.3M | 0.70% | 5 | 2.44% |
| 22 | Planters Bank & Trust Company cert 8235 | $202.5M | 0.63% | 1 | 0.49% |
| 23 | Guaranty Bank and Trust Company cert 15953 | $191.7M | 0.60% | 3 | 1.46% |
| 24 | JPMorgan Chase Bank, National Association cert 628 | $114.8M | 0.36% | 7 | 3.41% |
| 25 | Liberty Bank and Trust Company cert 20856 | $103.9M | 0.32% | 1 | 0.49% |
| 26 | ServisFirst Bank cert 57993 | $103.7M | 0.32% | 1 | 0.49% |
| 27 | INSOUTH Bank cert 22020 | $96.7M | 0.30% | 2 | 0.98% |
| 28 | FIRST COMMERCIAL BANK cert 57069 | $68.5M | 0.21% | 1 | 0.49% |
| 29 | Evolve Bank & Trust cert 1299 | $49.9M | 0.16% | 1 | 0.49% |
| 30 | First National Bank of Eastern Arkansas cert 3863 | $19.0M | 0.06% | 2 | 0.98% |
| 31 | Decatur County Bank cert 6101 | $15.8M | 0.05% | 1 | 0.49% |
| 32 | Community Bank of Mississippi cert 8879 | $15.1M | 0.05% | 1 | 0.49% |
| 33 | FSNB, National Association cert 16416 | $9.9M | 0.03% | 7 | 3.41% |
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.