Lincoln County, Tennessee, a core county of the Huntsville-Decatur-Albertville, AL-TN market, holds $781M in deposits across 7 insured institutions and 10 branches. First National Bank of Pulaski is the largest deposit holder at 31.2% share. The top three institutions hold 68.8% of deposits, which places the county in the concentrated band. Deposits have grown 22.0% since 2020. It produces $1.3B of output, ranking #1,093 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 10 in 2020 to 10 in 2025. Institutions: 7 to 7. Top-three share: 63.1% to 68.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First National Bank of Pulaski | $244M | 31.2% | +42% |
| Bank of Lincoln County | $193M | 24.7% | +31% |
| Regions Bank | $100M | 12.8% | +19% |
| First Commerce Bank | $86M | 11.0% | +29% |
| CB&S Bank, Inc. | $60M | 7.7% | +22% |
| U.S. Bank National Association | $54M | 6.9% | +13% |
| FirstBank | $44M | 5.7% | -39% |
The 7 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Huntsville-Decatur-Albertville market
Lincoln County is one of 7 counties that make up the Huntsville-Decatur-Albertville, AL-TN market, a Combined Statistical Area (ranked #70 of 293 U.S. markets by economic output). It produces 2.5% of the market’s output and holds 3.8% of its deposits.
| Measure | Lincoln County | Share of Huntsville-Decatur-Albertville market |
|---|---|---|
| 2024 GDP | $1.3B | 2.5% |
| Deposits | $781M | 3.8% |
| Population | 36,853 | 4.0% |
View the full Huntsville-Decatur-Albertville market profile →
Recruiting in Lincoln 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 Lincoln County, on a retained basis.
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