County banking markets / TN / 47165
SumnerTennessee
FIPS 47165. 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 (561) and unconcentrated on deposits (790).
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 16 institutions in 1994; 56 and 24 in 2025. Deposits booked in the county went from $845.9M to $5.53B, 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 | $833.5M | 15.06% | 4 | 7.14% |
| 2 | Volunteer Bank cert 22451 | $665.2M | 12.02% | 7 | 12.50% |
| 3 | Regions Bank cert 12368 | $546.3M | 9.87% | 4 | 7.14% |
| 4 | Pinnacle Bank cert 35583 | $516.8M | 9.34% | 3 | 5.36% |
| 5 | Wilson Bank and Trust cert 26962 | $402.9M | 7.28% | 3 | 5.36% |
| 6 | Bank of America, National Association cert 3510 | $390.8M | 7.06% | 3 | 5.36% |
| 7 | The Farmers Bank cert 1696 | $355.6M | 6.42% | 3 | 5.36% |
| 8 | Edmonton State Bank cert 9678 | $234.5M | 4.24% | 3 | 5.36% |
| 9 | U.S. Bank National Association cert 6548 | $221.3M | 4.00% | 3 | 5.36% |
| 10 | Fifth Third Bank, National Association cert 6672 | $185.0M | 3.34% | 3 | 5.36% |
| 11 | First National Bank cert 3887 | $177.4M | 3.21% | 2 | 3.57% |
| 12 | Truist Bank cert 9846 | $171.7M | 3.10% | 1 | 1.79% |
| 13 | Simmons Bank cert 3890 | $141.0M | 2.55% | 2 | 3.57% |
| 14 | JPMorgan Chase Bank, National Association cert 628 | $108.4M | 1.96% | 2 | 3.57% |
| 15 | Old National Bank cert 3832 | $103.3M | 1.87% | 2 | 3.57% |
| 16 | United Community Bank cert 16889 | $103.2M | 1.86% | 1 | 1.79% |
| 17 | Macon Bank and Trust Company cert 6091 | $97.2M | 1.76% | 2 | 3.57% |
| 18 | PNC Bank, National Association cert 6384 | $83.9M | 1.52% | 1 | 1.79% |
| 19 | Citizens Bank of Lafayette cert 1711 | $49.3M | 0.89% | 1 | 1.79% |
| 20 | F&M Bank cert 9963 | $46.5M | 0.84% | 1 | 1.79% |
| 21 | Wells Fargo Bank, National Association cert 3511 | $38.3M | 0.69% | 2 | 3.57% |
| 22 | BankTennessee cert 29177 | $32.2M | 0.58% | 1 | 1.79% |
| 23 | Bank of Tennessee cert 21573 | $28.5M | 0.51% | 1 | 1.79% |
| 24 | FSNB, National Association cert 16416 | $1.9M | 0.03% | 1 | 1.79% |
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.