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.
Banks
39
Total Assets
$3.5 billionin $K
Total Deposits
$2.7 billionin $K
Avg ROA
1.16%
Median CET1
13.34%
Largest by Assets
| Bank | HQ | Assets ($K) | ROA | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | CHARLOTTE, NC | 2,636,823,000.0 | 1.19% | 12.47% | 0.81% | 3.7% |
| TRUIST BANK | CHARLOTTE, NC | 539,519,000.0 | 1.04% | 11.78% | 1.39% | 6.8% |
| FIRST-CITIZENS BANK & TRUST COMPANY | RALEIGH, NC | 229,332,000.0 | 1.07% | 12.55% | 1.34% | 8.5% |
| LIVE OAK BANKING COMPANY | WILMINGTON, NC | 15,057,824.0 | 1.24% | 10.46% | 5.25% | 49.6% |
| FIRST BANK | SOUTHERN PINES, NC | 12,659,342.0 | 0.54% | 14.69% | 0.42% | 2.1% |
| SOUTHERN BANK AND TRUST COMPANY | MOUNT OLIVE, NC | 5,198,701.0 | 2.10% | 12.93% | 0.13% | 1.0% |
| HOMETRUST BANK | ASHEVILLE, NC | 4,544,079.0 | 1.44% | 13.71% | 1.30% | 7.7% |
| FIDELITY BANK, THE | FUQUAY VARINA, NC | 4,393,903.0 | 1.83% | 15.83% | 0.41% | 2.5% |
| FIRST CAROLINA BANK | ROCKY MOUNT, NC | 3,317,401.0 | 0.70% | 11.21% | 1.25% | 7.8% |
| PEOPLES BANK | NEWTON, NC | 1,701,359.0 | 1.61% | 14.83% | 0.42% | 2.8% |
| PROVIDENCE BANK | ROCKY MOUNT, NC | 1,404,732.0 | 1.94% | 13.34% | 0.07% | 0.5% |
| NORTH STATE BANK | RALEIGH, NC | 1,383,343.0 | 1.37% | 11.28% | 0.12% | 1.0% |
| PIEDMONT FEDERAL SAVINGS BANK | WINSTON SALEM, NC | 1,295,729.0 | 0.18% | 17.82% | 0.14% | 0.5% |
| UWHARRIE BANK | ALBEMARLE, NC | 1,194,143.0 | 1.13% | 13.04% | 0.20% | 1.3% |
| FARMERS AND MERCHANTS BANK | GRANITE QUARRY, NC | 965,683.0 | 2.22% | 24.57% | 0.75% | 3.4% |
| KS BANK, INC. | SMITHFIELD, NC | 821,598.0 | 1.35% | 8.01% | 0.05% | 1.2% |
| BANK OF OAK RIDGE | OAK RIDGE, NC | 657,818.0 | 1.51% | 12.09% | 3.42% | 20.6% |
| BLUEHARBOR BANK | MOORESVILLE, NC | 606,806.0 | 2.19% | 12.76% | 0.00% | 0.0% |
| LUMBEE GUARANTY BANK | PEMBROKE, NC | 561,380.0 | 0.81% | 9.11% | 0.26% | 1.1% |
| TRIAD BUSINESS BANK | GREENSBORO, NC | 530,923.0 | 0.38% | 11.55% | 0.87% | 6.4% |
| LIFESTORE BANK | WEST JEFFERSON, NC | 497,355.0 | 1.11% | 18.66% | 1.26% | 6.7% |
| MECHANICS & FARMERS BANK | DURHAM, NC | 479,538.0 | 0.36% | 24.63% | 1.56% | 6.0% |
| FIRST FEDERAL SAVINGS BANK OF LINCOLNTON | LINCOLNTON, NC | 477,003.0 | 0.57% | 34.40% | 0.26% | 1.1% |
| ROXBORO SAVINGS BANK, SSB | ROXBORO, NC | 349,767.0 | 1.15% | 38.91% | 0.19% | 0.6% |
| TIAA TRUST, NATIONAL ASSOCIATION | CHARLOTTE, NC | 308,714.0 | 95.42% | 65.67% | — | 0.0% |
| NANTAHALA BANK & TRUST COMPANY | FRANKLIN, NC | 279,950.0 | 1.43% | 12.74% | 0.36% | 2.6% |
| FIRST FEDERAL BANK | DUNN, NC | 271,878.0 | 0.39% | 15.65% | 0.86% | 8.6% |
| NEW REPUBLIC BANK | CHARLOTTE, NC | 235,442.0 | 1.19% | 18.44% | 0.05% | 0.3% |
| TAYLORSVILLE SAVINGS BANK, SSB | TAYLORSVILLE, NC | 216,374.0 | 0.37% | 13.54% | 0.57% | 6.0% |
| AMERICAN BANK OF THE CAROLINAS | MONROE, NC | 212,117.0 | 1.55% | 11.73% | 0.00% | 0.0% |
| BELMONT SAVINGS BANK, SSB | BELMONT, NC | 151,258.0 | 0.41% | 12.57% | 0.99% | 6.5% |
| MORGANTON SAVINGS BANK, S.S.B. | MORGANTON, NC | 107,424.0 | -0.44% | 26.61% | 0.25% | 0.5% |
| RIVERSIDE SAVINGS BANK, SSB | ROANOKE RAPIDS, NC | 94,218.0 | 0.17% | 16.23% | 0.14% | 0.5% |
| FIRST SAVINGS AND LOAN ASSOCIATION | MEBANE, NC | 55,539.0 | 0.26% | 54.00% | 0.22% | 0.6% |
| TARBORO SAVINGS BANK, SSB | TARBORO, NC | 55,087.0 | -0.55% | 11.45% | 0.00% | 0.0% |
| BLACK MOUNTAIN SAVINGS BANK, SSB | BLACK MOUNTAIN, NC | 42,373.0 | 0.59% | 12.16% | 0.00% | 0.0% |
| JACKSON SAVINGS BANK, SSB | SYLVA, NC | 30,543.0 | -0.01% | 46.44% | 0.00% | 0.0% |
| HERTFORD SAVINGS BANK, SSB | HERTFORD, NC | 19,429.0 | -0.35% | 11.37% | 0.00% | 0.0% |
| CEDAR HILL NATIONAL BANK | CHARLOTTE, NC | 15,607.0 | 5.93% | 91.87% | — | 0.0% |
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Data sourced from FFIEC call reports — current as of Q4 2025. See /data-updates/ for the full refresh schedule.
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