Clarksville, TN-KY holds $6.2 billion in deposits across 17 insured institutions and 69 branches, ranking #160 of 293 U.S. markets by economic output. Planters Bank, Inc. is the largest deposit holder at 22.4% share. The top three institutions hold 48.5% of deposits, which places the market in the moderate band. Deposits have grown 31% since 2020 while the branch count fell by 8.
Deposit trend
Branches: 77 in 2020 to 69 in 2025. Institutions: 16 to 17. Top-three share: 43.1% to 48.5%. Deposits per branch: $89M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Planters Bank, Inc. | 1.4B | 22.4% | +54% |
| F&M Bank | 1.0B | 16.4% | +50% |
| Regions Bank | 0.6B | 9.8% | +29% |
| Legends Bank | 0.6B | 9.4% | +54% |
| U.S. Bank | 0.5B | 8.4% | +30% |
| Bank of America | 0.5B | 7.4% | +28% |
| Truist Bank | 0.3B | 4.8% | +28% |
| United Community Bank | 0.2B | 3.9% | new since 2020 |
| First Federal Bank | 0.2B | 3.6% | +38% |
| First Financial Bank | 0.2B | 3.3% | -22% |
The 10 largest of 17 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 |
|---|---|---|---|---|
| Montgomery County | Tennessee | $7,271M | 249,935 | 49.5% |
| Christian County | Kentucky | $6,145M | 70,115 | 41.9% |
| Stewart County | Tennessee | $911M | 14,439 | 6.2% |
| Trigg County | Kentucky | $355M | 14,512 | 2.4% |
Recruiting in Clarksville
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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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