There are 38 FDIC-insured banks headquartered in North Carolina, holding $3.50T in combined assets and $2.77T in deposits, alongside 57 NCUA-insured credit unions. Every figure below comes from the most recent quarterly call report each institution filed with its regulator. Banks are ranked by total assets, which is the standard measure of institution size and the basis regulators use for peer grouping and for determining which capital rules apply.
Ranked by total assets. Branch counts are domestic offices. Click any institution for eight quarters of financial history, peer benchmarking against similarly sized banks, deposit market share by county, and leadership contacts.
| # | Bank | City | Assets | Deposits | Branches |
|---|---|---|---|---|---|
| 1 | Bank of America, National Association | Charlotte | $2.65T | $2.12T | 3598 |
| 2 | Truist Bank | Charlotte | $548.35B | $419.21B | 1931 |
| 3 | First-Citizens Bank & Trust Company | Raleigh | $236.32B | $173.95B | 518 |
| 4 | Live Oak Banking Company | Wilmington | $15.96B | $14.68B | 1 |
| 5 | First Bank | Southern Pines | $13.03B | $11.10B | 116 |
| 6 | Southern Bank and Trust Company | Mount Olive | $5.30B | $4.83B | 56 |
| 7 | The Fidelity Bank | Fuquay Varina | $4.66B | $4.17B | 55 |
| 8 | HomeTrust Bank | Asheville | $4.44B | $3.61B | 33 |
| 9 | First Carolina Bank | Rocky Mount | $3.41B | $2.87B | 9 |
| 10 | Peoples Bank | Newton | $1.76B | $1.57B | 16 |
| 11 | Providence Bank | Rocky Mount | $1.51B | $1.29B | 10 |
| 12 | North State Bank | Raleigh | $1.46B | $1.23B | 7 |
| 13 | Piedmont Federal Savings Bank | Winston Salem | $1.32B | $973.7M | 10 |
| 14 | Uwharrie Bank | Albemarle | $1.22B | $1.10B | 10 |
| 15 | Farmers & Merchants Bank | Granite Quarry | $998.8M | $842.6M | 12 |
| 16 | KS Bank, Inc. | Smithfield | $874.5M | $785.2M | 12 |
| 17 | Bank of Oak Ridge | Oak Ridge | $658.1M | $509.6M | 5 |
| 18 | BlueHarbor Bank | Mooresville | $628.4M | $551.2M | 3 |
| 19 | Lumbee Guaranty Bank | Pembroke | $583.5M | $490.4M | 14 |
| 20 | Triad Business Bank | Greensboro | $536.0M | $477.1M | 3 |
| 21 | LifeStore Bank | West Jefferson | $491.3M | $429.7M | 4 |
| 22 | First Federal Savings Bank of Lincolnton | Lincolnton | $485.8M | $390.3M | 4 |
| 23 | Mechanics & Farmers Bank | Durham | $476.0M | $402.2M | 8 |
| 24 | Roxboro Savings Bank, SSB | Roxboro | $360.7M | $292.8M | 2 |
| 25 | Nantahala Bank & Trust Company | Franklin | $288.8M | $260.4M | 3 |
| 26 | First Federal Bank | Dunn | $275.6M | $250.5M | 7 |
| 27 | Taylorsville Savings Bank, SSB | Taylorsville | $232.4M | $215.1M | 3 |
| 28 | American Bank of the Carolinas | Monroe | $214.0M | $183.8M | 3 |
| 29 | New Republic Bank | Roanoke Rapids | $176.3M | $138.0M | 1 |
| 30 | Belmont Savings Bank, SSB | Belmont | $161.0M | $111.3M | 1 |
| 31 | Morganton Savings Bank, S.S.B. | Morganton | $114.5M | $77.7M | 1 |
| 32 | Riverside Savings Bank, SSB | Roanoke Rapids | $94.5M | $72.5M | 2 |
| 33 | First Savings and Loan Association | Mebane | $55.9M | $41.6M | 1 |
| 34 | Tarboro Savings Bank, SSB | Tarboro | $54.1M | $47.8M | 1 |
| 35 | Black Mountain Savings Bank, SSB | Black Mountain | $43.0M | $37.7M | 1 |
| 36 | Jackson Savings Bank, SSB | Sylva | $31.9M | $24.7M | 1 |
| 37 | Hertford Savings Bank, SSB | Hertford | $20.7M | $18.5M | 1 |
| 38 | Cedar Hill National Bank | Charlotte | $16.0M | $2.0M | 1 |
NCUA-insured credit unions headquartered in North Carolina, ranked by total assets, with member counts from 5300 call report filings.
| # | Credit union | City | Assets | Members |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | RALEIGH | $58.12B | 2,959,762 |
| 2 | COASTAL | Raleigh | $6.03B | 343,471 |
| 3 | TRULIANT | Winston Salem | $5.40B | 334,169 |
| 4 | CIVIC | RALEIGH | $3.33B | 355,581 |
| 5 | ALLEGACY | Winston Salem | $2.48B | 183,472 |
| 6 | SELF-HELP | Durham | $2.39B | 145,945 |
| 7 | SELF-HELP | DURHAM | $2.16B | 99,599 |
| 8 | SKYLA | Charlotte | $1.62B | 113,118 |
| 9 | MARINE | Jacksonville | $1.06B | 77,774 |
| 10 | LATINO COMMUNITY | Durham | $1.05B | 126,823 |
| 11 | FORT BRAGG | Fayetteville | $665.8M | 35,799 |
| 12 | CHAMPION | Canton | $554.8M | 36,146 |
| 13 | CAROLINAS TELCO | Charlotte | $507.2M | 31,631 |
| 14 | MEMBERS | WINSTON SALEM | $460.5M | 47,763 |
| 15 | TELCO COMMUNITY CREDIT UNION | Candler | $415.3M | 34,862 |
| 16 | PIEDMONT ADVANTAGE CREDIT UNION | Winston Salem | $387.2M | 28,097 |
| 17 | MOUNTAIN | Waynesville | $365.9M | 31,129 |
| 18 | SUMMIT | Greensboro | $360.3M | 37,288 |
| 19 | FIRST FLIGHT | CARY | $271.7M | 20,367 |
| 20 | DUKE UNIVERSITY | Durham | $202.3M | 15,547 |
| 21 | R T P | RTP | $141.9M | 9,439 |
| 22 | BRAGG MUTUAL | Fayetteville | $127.4M | 9,600 |
| 23 | NOVA | CHARLOTTE | $120.7M | 11,048 |
| 24 | WEYCO COMMUNITY | PLYMOUTH | $111.1M | 5,667 |
| 25 | AMERICAN PARTNERS | Reidsville | $107.8M | 11,248 |
| 26 | NORTH CAROLINA COMMUNITY | GOLDSBORO | $100.5M | 5,835 |
| 27 | WNC COMMUNITY CU | Waynesville | $95.1M | 4,003 |
| 28 | WELCOME | MORRISVILLE | $90.5M | 6,520 |
| 29 | CAROLINA | CHERRYVILLE | $83.8M | 7,386 |
| 30 | REVITY | GREENSBORO | $81.1M | 5,884 |
| 31 | ELECTEL COOPERATIVE | Raleigh | $65.3M | 7,465 |
| 32 | LION'S SHARE | Salisbury | $60.8M | 12,480 |
| 33 | VISION FINANCIAL | Durham | $59.2M | 6,087 |
| 34 | ACCLAIM | GREENSBORO | $58.0M | 5,016 |
| 35 | CHARLOTTE FIRE DEPARTMENT | Charlotte | $53.7M | 3,007 |
| 36 | TELCO | TARBORO | $53.6M | 6,538 |
| 37 | HEALTHSHARE | Greensboro | $49.2M | 5,768 |
| 38 | CAROLINA COOPERATIVE | CHARLOTTE | $48.0M | 8,691 |
| 39 | MCDOWELL CORNERSTONE | MARION | $37.5M | 2,670 |
| 40 | SHUFORD | Hickory | $36.7M | 4,369 |
| 41 | OTEEN V. A. | ASHEVILLE | $33.5M | 2,092 |
| 42 | FIRST CAROLINA PEOPLE'S | GOLDSBORO | $33.5M | 2,232 |
| 43 | BLUE FLAME | Charlotte | $29.9M | 2,971 |
| 44 | CS | Catawba | $29.7M | 2,832 |
| 45 | EMERGENCY RESPONDERS | Winston Salem | $29.0M | 3,380 |
| 46 | GREENSBORO | GREENSBORO | $16.4M | 1,459 |
| 47 | LITHIUM | BESSEMER CITY | $16.0M | 1,597 |
| 48 | TCP | RURAL HALL | $15.5M | 2,148 |
| 49 | GREATER KINSTON | KINSTON | $14.3M | 3,829 |
| 50 | INTERNAL REVENUE EMPLOYEES | GREENSBORO | $12.4M | 724 |
Deposit market share is measured at the county level from the FDIC Summary of Deposits, an annual branch-level filing as of each June 30. County data shows which institutions actually hold balances in a given market and how concentrated that market is — a question state-level totals cannot answer, because a bank can be small statewide and dominant in its home county.
Vault republishes public FDIC and NCUA filings without modification. Bank figures come from quarterly call reports; credit union figures from NCUA 5300 filings; branch and deposit market share from the FDIC Summary of Deposits. Data is free to access and free to cite, with no login or paywall. The same data is available to AI agents through a public Model Context Protocol server at vaultbot.ai/mcp.