Rutherford County, Tennessee, a county in the Nashville-Davidson--Murfreesboro, TN market, holds $8.2B in deposits across 27 insured institutions and 79 branches. Pinnacle Bank is the largest deposit holder at 27.7% share. The top three banks hold 48% of deposits, which places the county in the Moderate band. Deposits have grown 31.1% since 2021 while the branch count rose by 5.3%. It produced $21.9B of real gross domestic product in 2024, ranking #207 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: 75 in 2021 to 79 in 2026. Institutions: 23 to 27. Top-three share: 48% to 48%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Pinnacle Bank | $2.3B | 27.7% | +49% |
| Wilson Bank and Trust | $840M | 10.3% | +106% |
| FirstBank | $812M | 10.0% | +8% |
| Regions Bank | $765M | 9.4% | +6% |
| Bank of America | $703M | 8.6% | +8% |
| First Horizon Bank | $683M | 8.4% | +9% |
| Truist Bank | $681M | 8.3% | +4% |
| Fifth Third Bank | $286M | 3.5% | +91% |
| U.S. Bank | $269M | 3.3% | +17% |
| JPMorgan Chase Bank | $155M | 1.9% | +818% |
| The First National Bank of Middle Tennessee | $110M | 1.4% | +86% |
| Southern Bank of Tennessee | $96M | 1.2% | +7% |
| Lawrence Bank | $85M | 1.0% | -14% |
| SmartBank | $71M | 0.9% | +20% |
| Wells Fargo Bank | $59M | 0.7% | no 2021 presence |
| PNC Bank | $51M | 0.6% | no 2021 presence |
| First Commerce Bank | $43M | 0.5% | +1,117% |
| First Vision Bank of Tennessee | $35M | 0.4% | -48% |
| Old National Bank | $29M | 0.4% | -19% |
| CB&S Bank, Inc. | $28M | 0.3% | -15% |
| InsBank | $27M | 0.3% | no 2021 presence |
| South Central Bank, Inc. | $22M | 0.3% | no 2021 presence |
| United Community Bank | $21M | 0.3% | -38% |
| Apex Bank | $10M | 0.1% | no 2021 presence |
| Bank OZK | $7M | 0.1% | no 2021 presence |
| Republic Bank & Trust Company | $7M | 0.1% | no 2021 presence |
| FSNB | $4M | 0.1% | +7% |
The 27 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 Nashville-Davidson--Murfreesboro market
Rutherford County is one of 20 counties that make up the Nashville-Davidson--Murfreesboro, TN market, a Combined Statistical Area (ranked #28 of 293 U.S. markets by economic output). It produces 11.6% of the market’s output and holds 7.2% of its deposits.
| Measure | Rutherford County | Share of parent market |
|---|---|---|
| 2024 GDP | $21.9B | 11.6% |
| Deposits | $8.2B | 7.2% |
| Population | 386,352 | 15.8% |
View the full Nashville-Davidson--Murfreesboro market profile →
Recruiting in Rutherford 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 Rutherford County.
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