Asset Tier

Charlotte, NC

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

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

Banks

Total Assets

$3.2B

Total Deposits

$2.5B

Avg ROA

1.91%

Median CET1

28.97%

Largest by Assets

FARMERS AND MERCHANTS BANK$986M BLUEHARBOR BANK$623M FIRST FEDERAL SAVINGS BANK OF LINCOLNTON$478M BANK OF YORK$309M AMERICAN BANK OF THE CAROLINAS$243M

Bank	HQ	Assets	ROA	CET1	NPL	Texas
FARMERS AND MERCHANTS BANK	GRANITE QUARRY, NC	$986M	2.48%	25.47%	0.78%	2.7%
BLUEHARBOR BANK	MOORESVILLE, NC	$623M	2.21%	12.71%	0.00%	0.0%
FIRST FEDERAL SAVINGS BANK OF LINCOLNTON	LINCOLNTON, NC	$478M	0.65%	34.83%	0.32%	1.3%
BANK OF YORK	YORK, SC	$309M	1.64%	32.46%	0.95%	2.5%
AMERICAN BANK OF THE CAROLINAS	MONROE, NC	$243M	1.43%	—	0.00%	0.0%
TIAA TRUST, NATIONAL ASSOCIATION	CHARLOTTE, NC	$239M	4.23%	—	—	0.0%
BELMONT SAVINGS BANK, SSB	BELMONT, NC	$156M	0.44%	—	1.29%	8.6%
SPRATT SAVINGS BANK	CHESTER, SC	$150M	0.16%	—	0.28%	0.4%

Other asset tiers

Largest US Banks (≥ $100B in assets)Regional Banks ($10B–$100B in assets)Large Community Banks ($1B–$10B in assets)Midsize Community Banks ($500M–$1B in assets)Small Community Banks ($100M–$500M in assets)Micro Community Banks (< $100M in assets)

Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.

Explore more hubs: browse by state · browse by asset tier