Branch Presence
Banks with Branches in Charlotte, NC
Bank of America, N.A. is the biggest bank in Charlotte, NC, with $288.49B in deposits at its Charlotte branches, 71.8% of the city's total as of the June 30, 2026 FDIC Summary of Deposits. Wells Fargo Bank, N.A. has the most branches here, with 31.
35 banks operate 204 branches in Charlotte, NC, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $401.93B held in Charlotte, NC, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Charlotte | Local deposits | Deposit share |
|---|---|---|---|
| Wells Fargo Bank, N.A. | 31 | $19.97B | 5.0% (#3) |
| Fifth Third Bank, N.A. | 25 | $3.06B | 0.8% (#5) |
| Truist Bank | 24 | $76.43B | 19.0% (#2) |
| Bank of America, N.A. | 23 | $288.49B | 71.8% (#1) |
| JPMorgan Chase Bank, N.A. | 17 | $880.1M | 0.2% (#11) |
| First-Citizens Bank & Trust Company | 15 | $2.21B | 0.5% (#6) |
| PNC Bank, N.A. | 7 | $3.18B | 0.8% (#4) |
| First National Bank of Pennsylvania | 6 | $803.0M | 0.2% (#12) |
| U.S. Bank N.A. | 6 | $332.7M | <0.1% (#14) |
| Pinnacle Bank | 5 | $1.31B | 0.3% (#7) |
| TD Bank, N.A. | 5 | $59.4M | <0.1% (#25) |
| Woodforest National Bank | 5 | $25.4M | <0.1% (#32) |
| TowneBank | 4 | $1.28B | 0.3% (#8) |
| SouthState Bank, N.A. | 3 | $985.5M | 0.2% (#9) |
| Regions Bank | 3 | $884.4M | 0.2% (#10) |
| First Horizon Bank | 3 | $402.6M | 0.1% (#13) |
| First Bank | 2 | $209.5M | <0.1% (#17) |
| The Huntington National Bank | 2 | $181.0M | <0.1% (#18) |
| United Community Bank | 2 | $56.5M | <0.1% (#26) |
| Bank OZK | 1 | $249.4M | <0.1% (#15) |
| The Park National Bank | 1 | $209.6M | <0.1% (#16) |
| Southern First Bank | 1 | $95.1M | <0.1% (#19) |
| Ameris Bank | 1 | $92.6M | <0.1% (#20) |
| United Bank | 1 | $89.5M | <0.1% (#21) |
| HomeTrust Bank | 1 | $86.1M | <0.1% (#22) |
| ServisFirst Bank | 1 | $76.1M | <0.1% (#23) |
| Oakworth Capital Bank | 1 | $75.5M | <0.1% (#24) |
| Peoples Bank | 1 | $51.3M | <0.1% (#27) |
| Uwharrie Bank | 1 | $46.9M | <0.1% (#28) |
| Carter Bank & Trust | 1 | $42.6M | <0.1% (#29) |
| Encore Bank | 1 | $35.4M | <0.1% (#30) |
| Mechanics & Farmers Bank | 1 | $29.9M | <0.1% (#31) |
| The Fidelity Bank | 1 | $4.2M | <0.1% (#33) |
| Cedar Hill National Bank | 1 | $2.0M | <0.1% (#34) |
| Flagstar Bank, N.A. | 1 | — | — |
County deposit market: Mecklenburg, NC
The $407.22B held across 35 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Mecklenburg, NC market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Bank of America, N.A. | 71.1% | $289.52B | 27 |
| 2 | Truist Bank | 19.0% | $77.20B | 31 |
| 3 | Wells Fargo Bank, N.A. | 5.2% | $21.14B | 37 |
| 4 | Fifth Third Bank, N.A. | 0.9% | $3.79B | 33 |
| 5 | PNC Bank, N.A. | 0.8% | $3.23B | 8 |
| 6 | First-Citizens Bank & Trust Company | 0.6% | $2.38B | 16 |
| 7 | Pinnacle Bank | 0.4% | $1.49B | 6 |
| 8 | TowneBank | 0.3% | $1.28B | 4 |
| 9 | JPMorgan Chase Bank, N.A. | 0.3% | $1.10B | 20 |
| 10 | First National Bank of Pennsylvania | 0.3% | $1.02B | 9 |
Metro area deposit market: Charlotte-Concord-Gastonia, NC-SC
The $432.53B held across 47 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Charlotte-Concord-Gastonia, NC-SC market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Bank of America, N.A. | 67.5% | $292.11B | 48 |
| 2 | Truist Bank | 18.8% | $81.46B | 66 |
| 3 | Wells Fargo Bank, N.A. | 5.9% | $25.49B | 65 |
| 4 | Fifth Third Bank, N.A. | 1.3% | $5.66B | 49 |
| 5 | First-Citizens Bank & Trust Company | 1.1% | $4.62B | 34 |
| 6 | PNC Bank, N.A. | 0.8% | $3.50B | 13 |
| 7 | SouthState Bank, N.A. | 0.6% | $2.52B | 19 |
| 8 | Pinnacle Bank | 0.5% | $2.23B | 11 |
| 9 | First National Bank of Pennsylvania | 0.4% | $1.79B | 17 |
| 10 | JPMorgan Chase Bank, N.A. | 0.3% | $1.43B | 30 |
Banks in Charlotte: common questions
What is the biggest bank in Charlotte, NC?
Bank of America, N.A. is the biggest bank in Charlotte, NC, with $288.49B in deposits at its Charlotte branches, 71.8% of the city's total as of the June 30, 2026 FDIC Summary of Deposits. Wells Fargo Bank, N.A. has the most branches there, with 31.
How many banks are in Charlotte, NC?
35 FDIC-insured banks operate 204 branches in Charlotte, NC as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Charlotte, NC?
Ranked by deposits held in Charlotte branches as of the June 30, 2026 FDIC Summary of Deposits: 1. Bank of America, N.A. (71.8%); 2. Truist Bank (19.0%); 3. Wells Fargo Bank, N.A. (5.0%); 4. PNC Bank, N.A. (0.8%); 5. Fifth Third Bank, N.A. (0.8%). The share is each bank's part of all deposits in the city.
Largest banks in North Carolina
For the state as a whole, see the largest banks in North Carolina, ranked by total assets and by deposits in North Carolina branches, or every bank in the North Carolina bank directory.
Banks in other North Carolina cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.