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Lists · Deposits by metro area

Charlotte-Concord-Gastonia, NC-SC Metro Area Bank Deposit Market Share

Bank of America, N.A. holds the largest share of deposits in the Charlotte-Concord-Gastonia, NC-SC metro area, 67.5%, followed by Truist Bank (18.8%) and Wells Fargo Bank, N.A. (5.9%). 47 institutions hold $432.53B at 512 offices as of June 30, 2026, down 9.3% from 2025.

Institutions: 47 Offices: 512 Deposits: $432.53B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: PNC Bank, N.A. (0.33 points); Bank of America, N.A. (0.29 points); First-Citizens Bank & Trust Company (0.13 points).

Lost: Wells Fargo Bank, N.A. (-1.40 points); TD Bank, N.A. (-0.12 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Bank of America, N.A. 48 $292.11B 67.54% +0.29 pts -8.9%
2 Truist Bank 66 $81.46B 18.83% -0.01 pts -9.3%
3 Wells Fargo Bank, N.A. 65 $25.49B 5.89% -1.40 pts -26.7%
4 Fifth Third Bank, N.A. 49 $5.66B 1.31% +0.12 pts -0.3%
5 First-Citizens Bank & Trust Company 34 $4.62B 1.07% +0.13 pts 3.1%
6 PNC Bank, N.A. 13 $3.50B 0.81% +0.33 pts 53.7%
7 SouthState Bank, N.A. 19 $2.52B 0.58% +0.05 pts -0.7%
8 Pinnacle Bank 11 $2.23B 0.52% +0.10 pts 12.4%
9 First National Bank of Pennsylvania 17 $1.79B 0.41% +0.05 pts 2.6%
10 JPMorgan Chase Bank, N.A. 30 $1.43B 0.33% +0.09 pts 23.1%
11 TowneBank 5 $1.28B 0.30% +0.07 pts 19.8%
12 Regions Bank 4 $1.01B 0.23% +0.03 pts 2.7%
13 First Horizon Bank 13 $987.7M 0.23% +0.01 pts -6.1%
14 Bank OZK 9 $954.5M 0.22% +0.03 pts 3.7%
15 Farmers and Merchants Bank 11 $808.5M 0.19% +0.03 pts 5.6%
16 United Bank 7 $674.3M 0.16% +0.02 pts 3.3%
17 First Bank 9 $551.0M 0.13% +0.02 pts 8.9%
18 Blueharbor Bank 2 $526.7M 0.12% +0.03 pts 15.9%
19 Uwharrie Bank 4 $404.0M 0.09% +0.01 pts -2.2%
20 TD Bank, N.A. 8 $400.4M 0.09% -0.12 pts -60.8%
21 United Community Bank 6 $397.9M 0.09% +0.00 pts -5.0%
22 First Federal Savings Bank of Lincolnton 4 $390.3M 0.09% +0.01 pts -1.1%
23 U.S. Bank N.A. 7 $380.2M 0.09% +0.02 pts 17.8%
24 Peoples Bank 5 $368.7M 0.09% +0.01 pts 1.0%
25 The Fidelity Bank 7 $323.3M 0.07% +0.02 pts 34.3%
26 Bank of York 4 $274.2M 0.06% +0.01 pts 6.7%
27 The Park National Bank 1 $209.6M 0.05% +0.01 pts 17.1%
28 ServisFirst Bank 2 $194.7M 0.05% +0.02 pts 90.3%
29 American Bank of the Carolinas 3 $183.8M 0.04% +0.01 pts 7.6%
30 The Huntington National Bank 2 $181.0M 0.04% +0.02 pts 74.3%
31 HomeTrust Bank 3 $136.0M 0.03% +0.01 pts 23.8%
32 Spratt Savings Bank 3 $123.0M 0.03% +0.00 pts 5.2%
33 Carter Bank & Trust 3 $111.8M 0.03% 0.00 pts -9.7%
34 Belmont Savings Bank, SSB 1 $111.3M 0.03% +0.01 pts 15.9%
35 Commercial Bank 2 $99.7M 0.02% +0.00 pts 8.0%
36 Woodforest National Bank 23 $97.4M 0.02% +0.00 pts 0.0%
37 Southern First Bank 1 $95.1M 0.02% +0.01 pts 69.8%
38 Ameris Bank 1 $92.6M 0.02% 0.00 pts -25.3%
39 Movement Bank 1 $78.1M 0.02% +0.00 pts -2.7%
40 Oakworth Capital Bank 1 $75.5M 0.02% +0.01 pts 64.0%
41 First Palmetto Bank 2 $73.0M 0.02% +0.00 pts 5.9%
42 First Community Bank 1 $50.5M 0.01% 0.00 pts -9.8%
43 Encore Bank 1 $35.4M <0.01% 0.00 pts -14.6%
44 Mechanics & Farmers Bank 1 $29.9M <0.01% +0.00 pts -7.6%
45 Arthur State Bank 1 $16.2M <0.01% +0.00 pts 39.6%
46 Cedar Hill National Bank 1 $2.0M <0.01% +0.00 pts 0.0%
47 Flagstar Bank, N.A. 1 $0 <0.01% 0.00 pts New

About this list

Deposits are those held at each institution's offices in Charlotte-Concord-Gastonia, NC-SC (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Counties in this metro area

Mecklenburg County, NCIredell County, NCYork County, SCCabarrus County, NCGaston County, NCUnion County, NCRowan County, NCLincoln County, NCLancaster County, SCChester County, SCAnson County, NC

Statewide deposits

North CarolinaSouth Carolina

Largest metro areas

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