Lincoln County, Tennessee, a core county of the Huntsville-Decatur-Albertville, AL-TN market, holds $798M in deposits across 7 insured institutions and 10 branches. First National Bank of Pulaski is the largest deposit holder at 31.5% share. The top three banks hold 69% of deposits, which places the county in the Concentrated band. Deposits have grown 12.2% since 2021. It produced $1.3B of real gross domestic product in 2024, ranking #1,093 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: 10 in 2021 to 10 in 2026. Institutions: 7 to 7. Top-three share: 65% to 69%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First National Bank of Pulaski | $252M | 31.5% | +29% |
| Bank of Lincoln County | $198M | 24.8% | +20% |
| Regions Bank | $103M | 12.9% | 0% |
| First Commerce Bank | $85M | 10.7% | +35% |
| CB&S Bank, Inc. | $68M | 8.5% | +23% |
| U.S. Bank | $58M | 7.3% | +17% |
| FirstBank | $34M | 4.2% | -58% |
The 7 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 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 3.9% of its deposits.
| Measure | Lincoln County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.3B | 2.5% |
| Deposits | $798M | 3.9% |
| 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.
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