Sumner County, Tennessee, a core county of the Nashville-Davidson--Murfreesboro, TN market, holds $5.5B in deposits across 24 insured institutions and 56 branches. First Horizon Bank is the largest deposit holder at 15.1% share. The top three banks hold 37% of deposits, which places the county in the Fragmented band. Deposits have grown 27.2% since 2020 while the branch count rose by 5.7%. It produces $9.2B of output, 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 2020 to 56 in 2025. Institutions: 22 to 24. Top-three share: 43% to 37%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Horizon Bank | $834M | 15.1% | -3% |
| Volunteer Bank | $665M | 12.0% | +21% |
| Regions Bank | $546M | 9.9% | +17% |
| Pinnacle Bank | $517M | 9.3% | +154% |
| Wilson Bank and Trust | $403M | 7.3% | +190% |
| Bank of America | $391M | 7.1% | +8% |
| The Farmers Bank | $356M | 6.4% | +10% |
| Edmonton State Bank | $234M | 4.2% | no 2020 presence |
| U.S. Bank | $221M | 4.0% | +46% |
| Fifth Third Bank | $185M | 3.3% | +51% |
| First National Bank | $177M | 3.2% | no 2020 presence |
| Truist Bank | $172M | 3.1% | +10% |
| Simmons Bank | $141M | 2.5% | -20% |
| JPMorgan Chase Bank | $108M | 2.0% | no 2020 presence |
| Old National Bank | $103M | 1.9% | no 2020 presence |
| United Community Bank | $103M | 1.9% | no 2020 presence |
| Macon Bank and Trust Company | $97M | 1.8% | +105% |
| PNC Bank | $84M | 1.5% | no 2020 presence |
| Citizens Bank of Lafayette | $49M | 0.9% | +37% |
| F&M Bank | $46M | 0.8% | +150% |
| Wells Fargo Bank | $38M | 0.7% | no 2020 presence |
| BankTennessee | $32M | 0.6% | no 2020 presence |
| Bank of Tennessee | $28M | 0.5% | +50% |
| FSNB | $2M | <0.1% | +117% |
The 24 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 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 5.3% of its deposits.
| Measure | Sumner County | Share of parent market |
|---|---|---|
| 2024 GDP | $9.2B | 4.9% |
| Deposits | $5.5B | 5.3% |
| 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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