Market Intelligence

Chattanooga-Cleveland-Dalton, TN-GA-AL

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Chattanooga-Cleveland-Dalton, TN-GA-AL

Chattanooga-Cleveland-Dalton, TN-GA-AL, a Combined Statistical Area, 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 24.6% since 2020 while the branch count fell by 4.9%.

Economic scale
2024 Real GDP
$52.4B
#71 of 293
Population
1.03M
#66 of 293
GDP per Capita
$50,956
#173 of 293
Deposit market
Total Deposits
$24.1B
#68 of 293
Deposits per Capita
$23,453
#191 of 293
Deposits per Branch
$103M
#160 of 293
Competitive structure
Insured Institutions
44
#47 of 293
Branches per 100k Pop.
22.8
#167 of 293
Median Deposits per Institution
$289M
The median deposits booked by a single institution in the market. #85 of 293. 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
38.7%
of market deposits held by banks with $100M to $50B in assets. #213 of 293. 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 Deposit Share: fragmented
37.7%
The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

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

Total market deposits (nominal), 2020 to 2025 +24.6% over 5 years
$19.3B
2020
$22.2B
2021
$24.2B
2022
$23.5B
2023
$24.0B
2024
$24.1B
2025

Branches: 246 in 2020 to 234 in 2025. Institutions: 42 to 44. Top-three share: 44.4% to 37.6%. Deposits per branch: $103M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
First Horizon Bank$3.1B13.1%17-2%
Truist Bank$3.1B12.7%22-1%
Pinnacle Bank$2.9B11.9%4+97%
Regions Bank$2.7B11.3%26+18%
FirstBank$1.3B5.5%9+44%
Builtwell Bank$1.2B4.9%20+77%
Bank of America$0.9B3.8%6+21%
SouthEast Bank$0.9B3.7%5+53%
Citizens Tri-County Bank$0.7B2.7%9+52%
Wells Fargo Bank$0.6B2.6%4+12%
SmartBank$530M2.2%6+24%
Cadence Bank$521M2.2%9+5,034%
Synovus Bank$424M1.8%4-3%
First Citizens National Bank$405M1.7%6+45%
Bank OZK$402M1.7%2+51%
The Bank of LaFayette, Georgia$370M1.5%3+44%
United Community Bank$348M1.4%4+52%
Old National Bank$346M1.4%5no 2020 presence
First Southern State Bank$317M1.3%4+66%
First Jackson Bank, Inc.$309M1.3%6+28%
Tower Community Bank$308M1.3%6+86%
Simmons Bank$296M1.2%3+24%
Bank of Cleveland$282M1.2%5+3%
RockPointBank$270M1.1%1no 2020 presence
First National Community Bank$245M1.0%4+56%
Millennium Bank$223M0.9%6+9%
Mountain Valley Bank$209M0.9%5+101%
First Financial Bank$195M0.8%8no 2020 presence
Bank of Dade$142M0.6%3+28%
Citizens Bank & Trust, Inc.$115M0.5%3+16%
Peoples Bank of East Tennessee$77M0.3%2+72%
Peoples Independent Bank$67M0.3%1+25%
Southeast First National Bank$59M0.2%2+37%
Colony Bank$51M0.2%1no 2020 presence
Andrew Johnson Bank$38M0.2%2+49%
First-Citizens Bank & Trust Company$38M0.2%1+41%
PNC Bank$35M0.1%1-27%
North Georgia National Bank$32M0.1%1no 2020 presence
Citizens National Bank$23M0.1%1no 2020 presence
JPMorgan Chase Bank$19M0.1%3no 2020 presence
Citizens Bank & Trust$17M0.1%1no 2020 presence
First Farmers & Commercial Bank$16M0.1%1+33%
Wilson Bank and Trust$9M0.0%1no 2020 presence
FSNB$2M0.0%1+38%

The 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. 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Hamilton CountyTennessee$29.4B390,83356.1%50.9%
Whitfield CountyGeorgia$6.2B106,21211.8%10.7%
Bradley CountyTennessee$5.1B115,4659.7%10.7%
McMinn CountyTennessee$2.2B57,4044.2%5.0%
Walker CountyGeorgia$1.7B70,2503.3%2.7%
Catoosa CountyGeorgia$1.7B69,6283.3%4.5%
Jackson CountyAlabama$1.6B54,2813.1%4.9%
Murray CountyGeorgia$1.5B41,6072.8%1.9%
Marion CountyTennessee$911M29,8041.7%3.0%
Chattooga CountyGeorgia$575M25,3001.1%1.7%
Dade CountyGeorgia$521M16,1541.0%0.9%
Polk CountyTennessee$373M18,5920.7%0.8%
Sequatchie CountyTennessee$353M17,8610.7%1.7%
Meigs CountyTennessee$267M14,1860.5%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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Other markets in Alabama, Georgia, and Tennessee

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.