Market Intelligence

Campbell County, TN

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Campbell County, Tennessee, a county in the Knoxville-Morristown-Sevierville, TN market, holds $759M in deposits across 8 insured institutions and 12 branches. Community Trust Bank, Inc. is the largest deposit holder at 24.1% share. The top three banks hold 65% of deposits, which places the county in the Concentrated band. Deposits have grown 19.9% since 2021. It produced $1.1B of real gross domestic product in 2024, ranking #1,166 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$1.1B
#1,166 of 1,523
Population
40,290
#1,027 of 1,523
GDP per Capita
$27,592
#1,311 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$759M
#1,072 of 1,523
Deposits per Capita
$18,842
#983 of 1,523
Deposits per Branch
$63M
#1,230 of 1,523
Competitive structure
Insured Institutions
8
#838 of 1,523
Branches per 100k Pop.
29.8
#485 of 1,523
Median Deposits per Institution
$75M
The median deposits booked by a single institution in the county. #1,174 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
100.0%
of county deposits held by banks with $100M to $100B in assets. #35 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
65%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2021 to 2026)+19.9% over 5 years
$633M
2021
$671M
2022
$663M
2023
$680M
2024
$748M
2025
$759M
2026

Branches: 12 in 2021 to 12 in 2026. Institutions: 8 to 8. Top-three share: 65% to 65%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Community Trust Bank, Inc.$183M24.1%2+24%
Peoples Bank of the South$158M20.8%2+25%
Builtwell Bank$149M19.7%3+8%
Citizens Bank$88M11.6%1+31%
UBank$61M8.0%1-8%
United Cumberland Bank$47M6.2%1+71%
Hearthside Bank Corporation$45M5.9%1+28%
The First National Bank of Oneida$28M3.7%1+14%

The 8 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Knoxville-Morristown-Sevierville market

Campbell County is one of 13 counties that make up the Knoxville-Morristown-Sevierville, TN market, a Combined Statistical Area (ranked #59 of 293 U.S. markets by economic output). It produces 1.6% of the market’s output and holds 2.2% of its deposits.

MeasureCampbell CountyShare of parent market
2024 GDP$1.1B1.6%
Deposits$759M2.2%
Population40,2903.3%

View the full Knoxville-Morristown-Sevierville market profile →

Recruiting in Campbell County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Campbell County.

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