Market Intelligence

Williamson County, TN

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Williamson County, Tennessee, a core county of the Nashville-Davidson--Murfreesboro, TN market, holds $14.3B in deposits across 35 insured institutions and 104 branches. Pinnacle Bank is the largest deposit holder at 16.4% share. The top three banks hold 39% of deposits, which places the county in the Fragmented band. Deposits have grown 22.5% since 2021 while the branch count rose by 3.0%. It produced $31.5B of real gross domestic product in 2024, ranking #151 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$31.5B
#151 of 1,523
Population
272,061
#272 of 1,523
GDP per Capita
$115,821
#47 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$14.3B
#160 of 1,523
Deposits per Capita
$52,626
#89 of 1,523
Deposits per Branch
$138M
#254 of 1,523
Competitive structure
Insured Institutions
35
#63 of 1,523
Branches per 100k Pop.
38.2
#237 of 1,523
Median Deposits per Institution
$216M
The median deposits booked by a single institution in the county. #308 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
41.5%
of county deposits held by banks with $100M to $100B in assets. #1,173 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
39%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)+22.5% over 5 years
$11.7B
2021
$12.7B
2022
$12.6B
2023
$13.4B
2024
$14.7B
2025
$14.3B
2026

Branches: 101 in 2021 to 104 in 2026. Institutions: 35 to 35. Top-three share: 40% to 39%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Pinnacle Bank$2.3B16.4%5+58%
FirstBank$1.8B12.6%9+7%
Bank of America$1.4B9.7%5-16%
Regions Bank$1.3B8.9%9-1%
First Horizon Bank$1.0B7.0%8+5%
Fifth Third Bank$851M5.9%7-13%
Truist Bank$585M4.1%5+1%
U.S. Bank$569M4.0%5+31%
Studio Bank$511M3.6%1no 2021 presence
Wells Fargo Bank$435M3.0%4+31%
JPMorgan Chase Bank$425M3.0%6no 2021 presence
The Huntington National Bank$316M2.2%3+7%
Renasant Bank$274M1.9%2+60%
Centennial Bank$251M1.8%1no 2021 presence
United Community Bank$248M1.7%2-67%
Wilson Bank and Trust$235M1.6%2+411%
Sonata Bank$227M1.6%1no 2021 presence
Lawrence Bank$216M1.5%2+67%
Simmons Bank$195M1.4%4-7%
Oakworth Capital Bank$163M1.1%1+1,714%
The Park National Bank$161M1.1%3+17%
Lineage Bank$143M1.0%1+1,075%
PNC Bank$127M0.9%1+775%
First Farmers and Merchants Bank$95M0.7%4-5%
Republic Bank & Trust Company$68M0.5%1+72%
Old National Bank$63M0.4%2-68%
First-Citizens Bank & Trust Company$60M0.4%1+53%
Commercial Bank$49M0.3%1+182%
SmartBank$47M0.3%1no 2021 presence
The First National Bank of Middle Tennessee$41M0.3%1no 2021 presence
Legends Bank$40M0.3%1+8%
Apex Bank$33M0.2%1+35%
Southern Bank of Tennessee$29M0.2%1no 2021 presence
Tower Community Bank$27M0.2%2+36%
First Federal Bank$16M0.1%1+19%

The 35 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

Williamson 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 16.7% of the market’s output and holds 12.6% of its deposits.

MeasureWilliamson CountyShare of parent market
2024 GDP$31.5B16.7%
Deposits$14.3B12.6%
Population272,06111.1%

View the full Nashville-Davidson--Murfreesboro market profile →

Recruiting in Williamson 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 Williamson County.

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