Whitfield County, Georgia, a core county of the Chattanooga-Cleveland-Dalton, TN-GA-AL market, holds $2.6B in deposits across 10 insured institutions and 20 branches. Truist Bank is the largest deposit holder at 21.6% share. The top three institutions hold 52.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 14.2% since 2020 while the branch count fell by 2. It produces $6.2B of output, ranking #515 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 22 in 2020 to 20 in 2025. Institutions: 9 to 10. Top-three share: 59.6% to 52.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Truist Bank | $554M | 21.6% | +4% |
| Wells Fargo Bank, National Association | $486M | 18.9% | +8% |
| Regions Bank | $316M | 12.3% | +32% |
| Bank OZK | $295M | 11.5% | +39% |
| FirstBank | $276M | 10.7% | +48% |
| Builtwell Bank | $273M | 10.6% | no 2020 presence |
| Bank of America, National Association | $139M | 5.4% | +27% |
| Synovus Bank | $121M | 4.7% | -1% |
| First National Community Bank | $78M | 3.0% | +93% |
| North Georgia National Bank | $32M | 1.3% | no 2020 presence |
The 10 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
Whitfield 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 11.8% of the market’s output and holds 10.7% of its deposits.
| Measure | Whitfield County | Share of Chattanooga-Cleveland-Dalton market |
|---|---|---|
| 2024 GDP | $6.2B | 11.8% |
| Deposits | $2.6B | 10.7% |
| Population | 106,212 | 10.3% |
View the full Chattanooga-Cleveland-Dalton market profile →
Recruiting in Whitfield 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 Whitfield County, on a retained basis.
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