Sumner County, Tennessee, a core county of the Nashville-Davidson--Murfreesboro, TN market, holds $5.6B in deposits across 23 insured institutions and 54 branches. Lawrence Bank is the largest deposit holder at 14.2% share. The top three banks hold 39% of deposits, which places the county in the Fragmented band. Deposits have grown 9.8% since 2021 while the branch count rose by 1.9%. It produced $9.2B of real gross domestic product in 2024, ranking #381 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: 53 in 2021 to 54 in 2026. Institutions: 22 to 23. Top-three share: 42% to 39%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Lawrence Bank | $797M | 14.2% | +27% |
| First Horizon Bank | $790M | 14.1% | -13% |
| Regions Bank | $567M | 10.1% | -7% |
| Pinnacle Bank | $533M | 9.5% | +84% |
| Wilson Bank and Trust | $444M | 7.9% | +144% |
| The Farmers Bank | $361M | 6.5% | +3% |
| Edmonton State Bank | $255M | 4.6% | +41% |
| Bank of America | $244M | 4.4% | -40% |
| U.S. Bank | $225M | 4.0% | +25% |
| Fifth Third Bank | $195M | 3.5% | +41% |
| First National Bank | $189M | 3.4% | +34% |
| Truist Bank | $172M | 3.1% | +6% |
| Simmons Bank | $126M | 2.3% | -66% |
| JPMorgan Chase Bank | $126M | 2.3% | no 2021 presence |
| Old National Bank | $113M | 2.0% | -43% |
| Macon Bank and Trust Company | $109M | 1.9% | +66% |
| United Community Bank | $86M | 1.5% | -58% |
| PNC Bank | $80M | 1.4% | +1,148% |
| Wells Fargo Bank | $58M | 1.0% | no 2021 presence |
| Wellworth Bank | $53M | 0.9% | +35% |
| BankTennessee | $37M | 0.7% | no 2021 presence |
| Bank of Tennessee | $30M | 0.5% | +32% |
| FSNB | $2M | <0.1% | +89% |
The 23 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
Sumner 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 4.9% of the market’s output and holds 4.9% of its deposits.
| Measure | Sumner County | Share of parent market |
|---|---|---|
| 2024 GDP | $9.2B | 4.9% |
| Deposits | $5.6B | 4.9% |
| Population | 215,538 | 8.8% |
View the full Nashville-Davidson--Murfreesboro market profile →
Recruiting in Sumner County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Sumner County.
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