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Banks in Charlotte, NC

Current FDIC-insured banks headquartered in the Charlotte, NC metropolitan area

Data as of Q2 2026 call reports. Banks that no longer file, such as acquired banks, are not listed.

Every FDIC-insured bank with headquarters in the Charlotte, NC metro area that still files, with the most recent quarterly call report data: total assets, deposits, capital ratios, asset quality, and profitability. The full metro area covered is Charlotte-Concord-Gastonia, NC-SC.

Looking for branch locations rather than headquarters? See every bank with a branch in Charlotte, NC.

The Charlotte, NC metro area is home to 11 FDIC-insured banks, holding $3.21T in combined assets and $2.54T in deposits. The largest is Bank of America, N.A. ($2.65T), about 83% of the group's total banking assets, followed by Truist Bank and Farmers and Merchants Bank. Across these banks, the median return on assets is 1.30% and the median CET1 capital ratio is 25.46%.

Banks
11
Total Assets
$3.21T
Total Deposits
$2.54T
Median ROA
1.30%
Median CET1
25.46%

Largest by Assets

Bank of America, N.A. $2.65T Truist Bank $548.35B Farmers and Merchants Bank $998.8M Blueharbor Bank $628.4M First Federal Savings Bank of Lincolnton $485.8M

All banks in Charlotte, NC

11 institutions with the latest quarterly call report metrics: capital, profitability, and asset quality.

NM: not meaningful, the ratio is outside a plausible range.

Select a column heading to sort the list.

Banks in the Charlotte, NC metro area, with total assets, ROA, net interest margin, efficiency ratio, CET1, NPL ratio, and Texas ratio.
Bank of America, N.A. Charlotte, NC $2.65T 1.12% 2.48% 53.6% 12.10% 0.65% 4.0%
Truist Bank Charlotte, NC $548.35B 1.16% 3.08% 53.7% 12.11% 0.72% 3.7%
Farmers and Merchants Bank Granite Quarry, NC $998.8M 2.61% 5.08% 47.6% 25.46% 0.79% 2.7%
Blueharbor Bank Mooresville, NC $628.4M 2.29% 4.33% 32.0% 13.14% 0.00% 0.0%
First Federal Savings Bank of Lincolnton Lincolnton, NC $485.8M 0.41% 3.07% 82.0% 34.30% 0.46% 2.1%
Bank of York York, SC $317.7M 1.83% 4.23% 46.4% 34.14% 0.86% 2.1%
American Bank of the Carolinas Monroe, NC $214.0M 1.44% 4.79% 57.7% — 0.00% 0.0%
New Republic Bank Charlotte, NC $176.3M 1.92% 3.26% 64.1% 31.98% 0.15% 0.5%
Belmont Savings Bank, SSB Belmont, NC $161.0M 0.46% 2.75% 75.7% — 0.37% 2.5%
Spratt Savings Bank Chester, SC $154.4M 0.19% 3.06% 91.3% — 0.23% 0.3%
Cedar Hill National Bank Charlotte, NC $16.0M 4.91% 3.76% 63.1% NM — 0.0%

Definitions: return on assets (ROA), net interest margin (NIM), efficiency ratio (Eff.), CET1 capital ratio, nonperforming loan ratio (NPL) and Texas ratio. A blank or NM value sorts last.

Other metro areas

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Data sourced from FFIEC call reports. See /data-updates/ for the full refresh schedule.

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