Chattanooga-Cleveland-Dalton, TN-GA-AL, a Combined Statistical Area, holds $25.7 billion in deposits across 42 insured institutions and 234 branches, and ranks #71 of 293 U.S. markets by economic output. Pinnacle Bank is the largest deposit holder at 13.4% share. The top three banks hold 37% of deposits, which places the market in the Fragmented band. Deposits have grown 15.6% since 2021 while the branch count fell by 3.7%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 243 in 2021 to 234 in 2026. Institutions: 41 to 42. Top-three share: 43% to 37%. Average deposits per branch: $110M.
Institutions by deposits
The 42 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Hamilton County | Tennessee | $29.4B | 390,833 | 56.1% | 49.5% |
| Whitfield County | Georgia | $6.2B | 106,212 | 11.8% | 10.7% |
| Bradley County | Tennessee | $5.1B | 115,465 | 9.7% | 13.0% |
| McMinn County | Tennessee | $2.2B | 57,404 | 4.2% | 4.9% |
| Walker County | Georgia | $1.7B | 70,250 | 3.3% | 2.5% |
| Catoosa County | Georgia | $1.7B | 69,628 | 3.3% | 4.2% |
| Jackson County | Alabama | $1.6B | 54,281 | 3.1% | 4.6% |
| Murray County | Georgia | $1.5B | 41,607 | 2.8% | 1.9% |
| Marion County | Tennessee | $911M | 29,804 | 1.7% | 2.9% |
| Chattooga County | Georgia | $575M | 25,300 | 1.1% | 1.7% |
| Dade County | Georgia | $521M | 16,154 | 1.0% | 0.9% |
| Polk County | Tennessee | $373M | 18,592 | 0.7% | 0.8% |
| Sequatchie County | Tennessee | $353M | 17,861 | 0.7% | 1.7% |
| Meigs County | Tennessee | $267M | 14,186 | 0.5% | 0.6% |
Recruiting in the Chattanooga-Cleveland-Dalton market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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.
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