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Nantahala Bank & Trust Company Locations & Branches Franklin, North Carolina
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Nantahala Bank & Trust Company operates 3 branches from its headquarters in Franklin, NC, .
Nantahala Bank & Trust Company branch network
All 3 branches are in NORTH CAROLINA, across 3 cities. Its largest office by deposits is its main office in Franklin, NC, with $149.7M (57.5% of its branch deposits). It had the same number of branches on June 30, 2025.
Nantahala Bank & Trust Company at a glance
Its CET1 capital ratio was 14.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $288.8M
- CET1 ratio, Q2 2026
- 14.38%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2004
Full financial profile · Is Nantahala Bank & Trust Company safe? · Nantahala Bank & Trust Company Q3 2026 call report, filed October 26, 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: Franklin, NC (1 branch) | 3 of 6 | 15.7% | $149.7M |
| State: NC (3 branches) | 49 of 82 | <0.1% | $260.4M |
Ranked by total assets among banks headquartered in the state: Largest banks in North Carolina.
Share by county and metro area
Nantahala Bank & Trust Company'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 |
|---|---|---|---|---|
| Macon, NC (1 branch) | 3 of 7 | 12.4% | $149.7M | $1.21B |
| Clay, NC (1 branch) | 2 of 3 | 26.0% | $63.7M | $244.7M |
| Cherokee, NC (1 branch) | 5 of 5 | 6.4% | $46.9M | $727.6M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nantahala Bank & Trust Company (main office) | Franklin, NC | 28734 | $149.7M |
| Hayesville Branch | Hayesville, NC | 28904 | $63.7M |
| Murphy Branch | Murphy, NC | 28906 | $46.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)