County banking markets / TN / 47163
SullivanTennessee
FIPS 47163. 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 (1,159) and moderately concentrated on deposits (1,599).
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
46 branch offices and 12 institutions in 1994; 34 and 13 in 2025. Deposits booked in the county went from $1.55B to $2.39B, 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 | Bank of Tennessee cert 21573 | $594.5M | 24.92% | 6 | 17.65% |
| 2 | First Horizon Bank cert 4977 | $510.0M | 21.38% | 5 | 14.71% |
| 3 | Regions Bank cert 12368 | $325.8M | 13.66% | 4 | 11.76% |
| 4 | The First Bank and Trust Company cert 22918 | $257.1M | 10.77% | 4 | 11.76% |
| 5 | Citizens Bank cert 14851 | $252.1M | 10.57% | 5 | 14.71% |
| 6 | Truist Bank cert 9846 | $226.3M | 9.49% | 3 | 8.82% |
| 7 | Powell Valley National Bank cert 6863 | $59.8M | 2.51% | 1 | 2.94% |
| 8 | Renasant Bank cert 12437 | $48.7M | 2.04% | 1 | 2.94% |
| 9 | HomeTrust Bank cert 27677 | $42.2M | 1.77% | 1 | 2.94% |
| 10 | Commercial Bank cert 22354 | $25.4M | 1.06% | 1 | 2.94% |
| 11 | New Peoples Bank, Inc. cert 34890 | $25.1M | 1.05% | 1 | 2.94% |
| 12 | First Community Bank of East Tennessee cert 33794 | $17.6M | 0.74% | 1 | 2.94% |
| 13 | FSNB, National Association cert 16416 | $1.1M | 0.05% | 1 | 2.94% |
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.