Chattanooga-Cleveland-Dalton, TN-GA-AL holds $24.1 billion in deposits across 44 insured institutions and 234 branches, ranking #71 of 293 U.S. markets by economic output. First Horizon Bank is the largest deposit holder at 13.1% share. The top three institutions hold 37.6% of deposits, which places the market in the fragmented band. Deposits have grown 25% since 2020 while the branch count fell by 12.
Deposit trend
Branches: 246 in 2020 to 234 in 2025. Institutions: 42 to 44. Top-three share: 44.4% to 37.6%. Deposits per branch: $103M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Horizon Bank | 3.1B | 13.1% | -2% |
| Truist Bank | 3.1B | 12.7% | -0% |
| Pinnacle Bank | 2.9B | 11.9% | +97% |
| Regions Bank | 2.7B | 11.3% | +18% |
| FirstBank | 1.3B | 5.5% | +44% |
| Builtwell Bank | 1.2B | 4.9% | +77% |
| Bank of America | 0.9B | 3.8% | +21% |
| SouthEast Bank | 0.9B | 3.7% | +53% |
| Citizens Tri-County Bank | 0.7B | 2.7% | +52% |
| Wells Fargo Bank | 0.6B | 2.6% | +12% |
The 10 largest of 44 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Hamilton County | Tennessee | $29,366M | 390,833 | 56.1% |
| Whitfield County | Georgia | $6,171M | 106,212 | 11.8% |
| Bradley County | Tennessee | $5,090M | 115,465 | 9.7% |
| McMinn County | Tennessee | $2,179M | 57,404 | 4.2% |
| Walker County | Georgia | $1,725M | 70,250 | 3.3% |
| Catoosa County | Georgia | $1,713M | 69,628 | 3.3% |
| Jackson County | Alabama | $1,638M | 54,281 | 3.1% |
| Murray County | Georgia | $1,480M | 41,607 | 2.8% |
| Marion County | Tennessee | $911M | 29,804 | 1.7% |
| Chattooga County | Georgia | $575M | 25,300 | 1.1% |
| Dade County | Georgia | $521M | 16,154 | 1.0% |
| Polk County | Tennessee | $373M | 18,592 | 0.7% |
| Sequatchie County | Tennessee | $353M | 17,861 | 0.7% |
| Meigs County | Tennessee | $266M | 14,186 | 0.5% |
Recruiting in Chattanooga
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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 this one, on a retained basis.
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