Financial strength ranking · North Carolina · Call Report data as of Q2 2026

Best Banks in North Carolina by Financial Strength

Blueharbor Bank ranks first among the 31 banks headquartered in North Carolina we score, with a financial strength score of 86.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Blueharbor Bank
Its score: 86.3 of 100
Banks scored in North Carolina: 31
Its return on assets: 2.29%

Every scored bank in North Carolina

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in North Carolina ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Blueharbor Bank Mooresville	86.3	2.29%	31.97%	11.78%	0.00%	$628.4M
2	Roxboro Savings Bank, SSB Roxboro	79.6	1.44%	44.19%	18.97%	0.08%	$360.7M
3	Providence Bank Rocky Mount	78.4	1.84%	39.17%	12.21%	0.10%	$1.51B
4	Farmers and Merchants Bank Granite Quarry	77.2	2.61%	47.55%	15.25%	0.43%	$998.8M
5	New Republic Bank Charlotte	71.0	1.92%	64.12%	15.81%	0.10%	$176.3M
6	American Bank of the Carolinas Monroe	70.2	1.44%	57.69%	12.27%	0.00%	$214.0M
7	The Fidelity Bank Fuquay Varina	65.9	1.71%	50.85%	11.47%	0.30%	$4.66B
8	First Bank Southern Pines	65.2	1.60%	47.86%	11.50%	0.34%	$13.03B
9	Southern Bank and Trust Company Mount Olive	62.9	1.83%	51.90%	9.63%	0.09%	$5.30B
10	HomeTrust Bank Asheville	52.9	1.56%	58.86%	12.91%	1.26%	$4.44B
11	Nantahala Bank & Trust Company Franklin	51.2	1.64%	59.81%	9.43%	0.21%	$288.8M
12	Uwharrie Bank Albemarle	51.0	1.35%	65.05%	10.07%	0.06%	$1.22B
13	Lifestore Bank West Jefferson	50.2	1.21%	56.69%	11.92%	0.74%	$491.3M
14	KS Bank, Inc. Smithfield	49.5	1.36%	56.53%	9.01%	0.15%	$874.5M
15	Bank of Oak Ridge Oak Ridge	49.0	1.45%	59.84%	12.53%	1.42%	$658.1M
16	Peoples Bank Newton	48.2	1.25%	67.99%	11.50%	0.29%	$1.76B
17	Morganton Savings Bank, S.S.B. Morganton	46.1	0.47%	86.48%	25.43%	0.13%	$114.4M
18	Truist Bank Charlotte	45.8	1.16%	53.71%	9.82%	0.44%	$548.35B
19	Piedmont Federal Savings Bank Winston Salem	44.8	0.25%	85.84%	18.60%	0.11%	$1.32B
20	Lumbee Guaranty Bank Pembroke	41.9	0.83%	67.84%	10.71%	0.15%	$583.5M
21	Bank of America, N.A. Charlotte	41.3	1.12%	53.65%	7.11%	0.30%	$2.65T
22	First Federal Savings Bank of Lincolnton Lincolnton	40.2	0.41%	82.03%	17.61%	0.37%	$485.8M
23	Belmont Savings Bank, SSB Belmont	38.7	0.46%	75.65%	12.88%	0.31%	$161.0M
24	Mechanics & Farmers Bank Durham	34.6	0.70%	73.57%	15.10%	1.39%	$476.0M
25	Taylorsville Savings Bank, SSB Taylorsville	32.7	0.90%	61.86%	8.08%	0.31%	$232.4M
26	First-Citizens Bank & Trust Company Raleigh	32.5	1.09%	65.10%	9.75%	0.77%	$236.32B
27	First Carolina Bank Rocky Mount	31.9	0.72%	74.45%	11.36%	0.65%	$3.41B
28	Live Oak Banking Company Wilmington	29.6	1.04%	51.19%	7.99%	3.37%	$15.96B
29	North State Bank Raleigh	27.0	0.81%	81.31%	8.50%	0.15%	$1.46B
30	First Federal Bank Dunn	22.4	0.50%	84.96%	9.38%	0.35%	$275.3M
31	Triad Business Bank Greensboro	19.4	0.06%	89.39%	10.86%	1.06%	$536.0M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in North Carolina?

By our financial strength score, Blueharbor Bank of Mooresville ranks first among the 31 scored banks headquartered in North Carolina, scoring 86.3 out of 100 for Q2 2026: return on assets of 2.29%, an efficiency ratio of 31.97%, a Tier 1 leverage ratio of 11.78% and nonperforming assets of 0.00% of total assets. Roxboro Savings Bank, SSB and Providence Bank rank second and third.

How are the best banks in North Carolina ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in North Carolina

Largest banks in North Carolina Bank deposits in North Carolina Largest credit unions in North Carolina Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.