Branch Network
The Bank of Charlotte County Locations & Branches Phenix, Virginia
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The Bank of Charlotte County operates 6 branches from its headquarters in Phenix, VA, .
The Bank of Charlotte County branch network
All 6 branches are in VIRGINIA, across 6 cities. Its largest office by deposits is the Brookneal Branch office in Brookneal, VA, with $51.0M (26.2% of its branch deposits). It had the same number of branches on June 30, 2025.
The Bank of Charlotte County at a glance
Its CET1 capital ratio was 20.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $222.8M
- CET1 ratio, Q2 2026
- 20.00%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1912
Full financial profile · Is The Bank of Charlotte County safe? · The Bank of Charlotte County Q3 2026 call report, filed October 23, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Phenix, VA (1 branch) | 1 of 1 | 100.0% | $48.3M |
| State: VA (6 branches) | 73 of 102 | <0.1% | $194.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Virginia.
Share by county and metro area
The Bank of Charlotte County's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Charlotte, VA (4 branches) | 1 of 2 | 70.7% | $136.6M | $193.0M |
| Campbell, VA (1 branch) | 7 of 11 | 4.4% | $51.0M | $1.17B |
| Mecklenburg, VA (1 branch) | 7 of 7 | 0.7% | $6.9M | $1.05B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Lynchburg, VA (1 branch) | 14 of 17 | 0.8% | $51.0M | $6.20B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Brookneal Branch | Brookneal, VA | 24528 | $51.0M |
| Charlotte Court House Branch | Charlotte Court House, VA | 23923 | $50.3M |
| The Bank of Charlotte County | Phenix, VA | 23959 | $48.3M |
| Keysville Branch | Keysville, VA | 23947 | $32.5M |
| South Hill Branch | South Hill, VA | 23970 | $6.9M |
| Drakes Branch Branch | Drakes Branch, VA | 23937 | $5.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14491) · FFIEC NIC profile (RSSD 667524)