Obion County, Tennessee, a core county of the Union City-Martin, TN market, holds $864M in deposits across 9 insured institutions and 14 branches. First Citizens National Bank is the largest deposit holder at 21.3% share. The top three banks hold 60% of deposits, which places the county in the Concentrated band. Deposits have grown 22.0% since 2020 while the branch count fell by 12.5%. It produces $1.3B of output, ranking #1,105 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: 16 in 2020 to 14 in 2025. Institutions: 8 to 9. Top-three share: 67% to 60%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Citizens National Bank | $184M | 21.3% | +31% |
| Security Bank and Trust Company | $168M | 19.4% | +67% |
| Commercial Bank & Trust Co. | $165M | 19.1% | +28% |
| Simmons Bank | $159M | 18.5% | -22% |
| Bank3 | $91M | 10.5% | +26% |
| Regions Bank | $39M | 4.5% | +49% |
| The Citizens Bank | $26M | 3.0% | +24% |
| Foundation Bank | $21M | 2.4% | +65% |
| First Community Bank of the Heartland, Inc. | $11M | 1.2% | no 2020 presence |
The 9 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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 Union City-Martin market
Obion County is one of 2 counties that make up the Union City-Martin, TN market, a Combined Statistical Area (ranked #291 of 293 U.S. markets by economic output). It produces 55.3% of the market’s output and holds 50.7% of its deposits.
| Measure | Obion County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.3B | 55.3% |
| Deposits | $864M | 50.7% |
| Population | 30,067 | 47.5% |
View the full Union City-Martin market profile →
Recruiting in Obion 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 Obion County.
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