Marion County, Tennessee, a county in the Chattanooga-Cleveland-Dalton, TN-GA-AL market, holds $725M in deposits across 5 insured institutions and 14 branches. Tower Community Bank is the largest deposit holder at 39.6% share. The top three institutions hold 89.8% of deposits, which places the county in the concentrated band. Deposits have grown 54.5% since 2020 while the branch count rose by 2. It produces $911M of output, ranking #1,217 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 12 in 2020 to 14 in 2025. Institutions: 5 to 5. Top-three share: 89.0% to 89.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Tower Community Bank | $287M | 39.6% | +88% |
| Citizens Tri-County Bank | $245M | 33.8% | +42% |
| Builtwell Bank | $118M | 16.3% | +29% |
| Mountain Valley Bank | $42M | 5.9% | +34% |
| First Jackson Bank, Inc. | $32M | 4.4% | +61% |
The 5 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 Chattanooga-Cleveland-Dalton market
Marion 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 1.7% of the market’s output and holds 3.0% of its deposits.
| Measure | Marion County | Share of Chattanooga-Cleveland-Dalton market |
|---|---|---|
| 2024 GDP | $911M | 1.7% |
| Deposits | $725M | 3.0% |
| Population | 29,804 | 2.9% |
View the full Chattanooga-Cleveland-Dalton market profile →
Recruiting in Marion 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 Marion County, on a retained basis.
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