Hamilton County, Tennessee, a core county of the Chattanooga-Cleveland-Dalton, TN-GA-AL market, holds $12.7B in deposits across 23 insured institutions and 97 branches. First Horizon Bank is the largest deposit holder at 20.8% share. The top three banks hold 57% of deposits, which places the county in the Moderate band. Deposits have grown 12.3% since 2021 while the branch count fell by 3.0%. It produced $29.4B of real gross domestic product in 2024, ranking #163 of the 1,523 ranked counties by economic output.
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
Branches: 100 in 2021 to 97 in 2026. Institutions: 19 to 23. Top-three share: 58% to 57%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Horizon Bank | $2.6B | 20.8% | -13% |
| Pinnacle Bank | $2.6B | 20.5% | +75% |
| Truist Bank | $2.0B | 15.5% | +1% |
| Regions Bank | $1.6B | 12.9% | +4% |
| Bank of America | $718M | 5.6% | -44% |
| FirstBank | $693M | 5.5% | +47% |
| SmartBank | $524M | 4.1% | +12% |
| Builtwell Bank | $352M | 2.8% | +13% |
| SouthEast Bank | $346M | 2.7% | +51% |
| RockPointBank | $336M | 2.6% | +691% |
| Millennium Bank | $220M | 1.7% | -1% |
| Citizens Tri-County Bank | $157M | 1.2% | +64% |
| Old National Bank | $117M | 0.9% | no 2021 presence |
| WesBanco Bank, Inc. | $81M | 0.6% | no 2021 presence |
| JPMorgan Chase Bank | $54M | 0.4% | no 2021 presence |
| First-Citizens Bank & Trust Company | $53M | 0.4% | +81% |
| United Community Bank | $52M | 0.4% | -1% |
| The Park National Bank | $43M | 0.3% | +55% |
| Tower Community Bank | $28M | 0.2% | +202% |
| First Financial Bank | $27M | 0.2% | +96% |
| Mountain Valley Bank | $20M | 0.2% | no 2021 presence |
| The Huntington National Bank | $18M | 0.1% | -2% |
| Wilson Bank and Trust | $13M | 0.1% | no 2021 presence |
The 23 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 Chattanooga-Cleveland-Dalton market
Hamilton County is one of 14 counties that make up the Chattanooga-Cleveland-Dalton, TN-GA-AL market, a Combined Statistical Area (ranked #71 of 293 U.S. markets by economic output). It produces 56.1% of the market’s output and holds 49.5% of its deposits.
| Measure | Hamilton County | Share of parent market |
|---|---|---|
| 2024 GDP | $29.4B | 56.1% |
| Deposits | $12.7B | 49.5% |
| Population | 390,833 | 38.0% |
View the full Chattanooga-Cleveland-Dalton market profile →
Recruiting in Hamilton County
Deposits are split among a moderate 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 Hamilton County.
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