Johnson City-Kingsport-Bristol, TN-VA holds $11.2 billion in deposits across 33 insured institutions and 146 branches, ranking #106 of 293 U.S. markets by economic output. First Horizon Bank is the largest deposit holder at 17.6% share. The top three institutions hold 43.0% of deposits, which places the market in the fragmented band. Deposits have grown 22% since 2020 while the branch count fell by 26.
Deposit trend
Branches: 172 in 2020 to 146 in 2025. Institutions: 32 to 33. Top-three share: 43.6% to 43.0%. Deposits per branch: $77M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Horizon Bank | 2.0B | 17.6% | +2% |
| Bank of Tennessee | 1.5B | 13.4% | +33% |
| The First Bank and Trust Company | 1.4B | 12.0% | +81% |
| Citizens Bank | 0.9B | 7.8% | +38% |
| Truist Bank | 0.8B | 7.2% | -13% |
| Thread Bank | 0.7B | 5.9% | +1128% |
| Regions Bank | 0.6B | 5.4% | +6% |
| Andrew Johnson Bank | 0.4B | 3.4% | +44% |
| First Community Bank | 0.4B | 3.4% | -25% |
| Mountain Commerce Bank | 0.4B | 3.1% | +38% |
The 10 largest of 33 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 |
|---|---|---|---|---|
| Sullivan County | Tennessee | $9,483M | 163,759 | 35.1% |
| Washington County | Tennessee | $7,192M | 141,199 | 26.6% |
| Washington County | Virginia | $2,722M | 53,898 | 10.1% |
| Greene County | Tennessee | $2,595M | 73,831 | 9.6% |
| Hawkins County | Tennessee | $1,917M | 59,559 | 7.1% |
| Carter County | Tennessee | $1,183M | 57,361 | 4.4% |
| Bristol city | Virginia | $829M | 16,418 | 3.1% |
| Unicoi County | Tennessee | $634M | 17,856 | 2.3% |
| Scott County | Virginia | $461M | 21,200 | 1.7% |
Recruiting in Johnson City
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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