State Hub
Banks in North Carolina
All FDIC-insured banks headquartered in North Carolina
Every FDIC-insured commercial bank headquartered in North Carolina, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
North Carolina is home to 40 FDIC-insured banks headquartered in the state, with $3.51T in combined assets and $2.77T in deposits. The largest is Bank of America, N.A. ($2.67T) — about 76% of the group's total banking assets , followed by Truist Bank and First-citizens Bank & Trust Company . Across these banks, the asset-weighted return on assets is 1.11% and the median CET1 capital ratio is 14.09% .
Banks
40
Total Assets
$3.51T
Total Deposits
$2.77T
Avg ROA
1.11%
Median CET1
14.09%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | CHARLOTTE , NC | $2.67T | 1.11% | 2.44% | 54.0% | 12.17% | 0.75% | 5.6% |
| TRUIST BANK | CHARLOTTE , NC | $541.18B | 1.16% | 3.11% | 50.9% | 11.93% | 1.29% | 10.1% |
| FIRST-CITIZENS BANK & TRUST COMPANY | RALEIGH , NC | $235.52B | 0.96% | 3.09% | 65.1% | 12.59% | 1.39% | 9.9% |
| LIVE OAK BANKING COMPANY | WILMINGTON , NC | $15.23B | 0.89% | 3.28% | 55.3% | 10.61% | 4.78% | 46.2% |
| FIRST BANK | SOUTHERN PINES , NC | $12.94B | 1.50% | 3.69% | 47.4% | 14.74% | 0.47% | 3.1% |
| SOUTHERN BANK AND TRUST COMPANY | MOUNT OLIVE , NC | $5.25B | 0.85% | 3.50% | 52.9% | 13.12% | 0.12% | 1.0% |
| FIDELITY BANK, THE | FUQUAY VARINA , NC | $4.50B | 1.67% | 3.88% | 51.8% | 16.25% | 0.52% | 3.6% |
| HOMETRUST BANK | ASHEVILLE , NC | $4.38B | 1.56% | 4.30% | 57.9% | 14.09% | 1.48% | 9.1% |
| FIRST CAROLINA BANK | ROCKY MOUNT , NC | $3.42B | 0.82% | 3.34% | 74.8% | 11.55% | 1.26% | 9.3% |
| Dogwood State Bank | Raleigh , NC | $2.37B | 0.00% | 4.23% | 85.7% | 11.11% | 1.01% | 8.2% |
| PEOPLES BANK | NEWTON , NC | $1.73B | 1.07% | 3.70% | 69.4% | 14.62% | 0.46% | 3.1% |
| PROVIDENCE BANK | ROCKY MOUNT , NC | $1.46B | 1.79% | 4.07% | 40.5% | 13.26% | 0.08% | 0.5% |
| NORTH STATE BANK | RALEIGH , NC | $1.46B | 0.77% | 3.87% | 82.5% | 11.15% | 0.13% | 1.2% |
| PIEDMONT FEDERAL SAVINGS BANK | WINSTON SALEM , NC | $1.31B | 0.16% | 2.32% | 90.6% | — | 0.06% | 0.2% |
| UWHARRIE BANK | ALBEMARLE , NC | $1.25B | 1.11% | 3.40% | 66.4% | 13.31% | 0.19% | 1.2% |
| FARMERS AND MERCHANTS BANK | GRANITE QUARRY , NC | $985.6M | 2.48% | 4.96% | 48.1% | 25.47% | 0.78% | 2.7% |
| KS BANK, INC. | SMITHFIELD , NC | $873.1M | 1.25% | 3.90% | 56.9% | — | 0.13% | 1.9% |
| BANK OF OAK RIDGE | OAK RIDGE , NC | $655.4M | 1.01% | 4.08% | 64.7% | — | 3.37% | 20.0% |
| BLUEHARBOR BANK | MOORESVILLE , NC | $623.3M | 2.21% | 4.28% | 35.1% | 12.71% | 0.00% | 0.0% |
| LUMBEE GUARANTY BANK | PEMBROKE , NC | $559.6M | 0.82% | 3.06% | 71.0% | — | 0.33% | 1.5% |
| TRIAD BUSINESS BANK | GREENSBORO , NC | $536.9M | 0.30% | 2.56% | 87.2% | 11.44% | 1.93% | 14.6% |
| LIFESTORE BANK | WEST JEFFERSON , NC | $503.0M | 1.07% | 3.65% | 64.0% | 18.97% | 1.20% | 6.4% |
| MECHANICS & FARMERS BANK | DURHAM , NC | $489.0M | 0.65% | 4.02% | 78.6% | 24.60% | 3.00% | 11.5% |
| FIRST FEDERAL SAVINGS BANK OF LINCOLNTON | LINCOLNTON , NC | $478.4M | 0.65% | 2.98% | 72.8% | 34.83% | 0.32% | 1.3% |
| ROXBORO SAVINGS BANK, SSB | ROXBORO , NC | $358.5M | 0.92% | 3.23% | 59.2% | 38.68% | 0.15% | 0.5% |
| NANTAHALA BANK & TRUST COMPANY | FRANKLIN , NC | $285.7M | 1.31% | 4.54% | 67.7% | 13.41% | 0.37% | 2.5% |
| FIRST FEDERAL BANK | DUNN , NC | $272.1M | 0.18% | 3.12% | 85.8% | 15.34% | 0.80% | 8.2% |
| AMERICAN BANK OF THE CAROLINAS | MONROE , NC | $242.6M | 1.43% | 4.59% | 57.6% | — | 0.00% | 0.0% |
| NEW REPUBLIC BANK | CHARLOTTE , NC | $238.9M | 1.60% | 3.12% | 55.6% | 19.70% | 0.10% | 0.5% |
| TIAA TRUST, NATIONAL ASSOCIATION | CHARLOTTE , NC | $238.6M | 4.23% | 2.82% | 76.3% | 406.90% | — | 0.0% |
| TAYLORSVILLE SAVINGS BANK, SSB | TAYLORSVILLE , NC | $222.2M | 0.84% | 3.02% | 63.1% | 13.28% | 0.58% | 6.2% |
| BELMONT SAVINGS BANK, SSB | BELMONT , NC | $155.6M | 0.44% | 2.65% | 77.6% | — | 1.29% | 8.6% |
| MORGANTON SAVINGS BANK, S.S.B. | MORGANTON , NC | $109.2M | 0.20% | 3.54% | 94.4% | — | 0.27% | 0.6% |
| RIVERSIDE SAVINGS BANK, SSB | ROANOKE RAPIDS , NC | $94.5M | 0.45% | 3.16% | 80.8% | — | 0.14% | 0.5% |
| FIRST SAVINGS AND LOAN ASSOCIATION | MEBANE , NC | $55.6M | 0.30% | 2.51% | 87.6% | 53.63% | 0.23% | 0.6% |
| TARBORO SAVINGS BANK, SSB | TARBORO , NC | $54.6M | -0.19% | 2.22% | 109.1% | — | 0.65% | 5.5% |
| BLACK MOUNTAIN SAVINGS BANK, SSB | BLACK MOUNTAIN , NC | $42.7M | -0.23% | 1.82% | 112.2% | — | 0.00% | 0.0% |
| JACKSON SAVINGS BANK, SSB | SYLVA , NC | $31.2M | 0.24% | 2.57% | 90.2% | 46.73% | 0.00% | 2.3% |
| HERTFORD SAVINGS BANK, SSB | HERTFORD , NC | $20.4M | -0.29% | 2.91% | 103.6% | — | 0.00% | 1.4% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE , NC | $15.5M | 4.47% | 3.94% | 65.5% | 109.56% | — | 0.0% |
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North Carolina bank rankings
See North Carolina banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest North Carolina banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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