Lists · Deposits by metro area
Wilmington, NC Metro Area Bank Deposit Market Share
Live Oak Banking Company holds the largest share of deposits in the Wilmington, NC metro area, 60.2%, followed by Truist Bank (13.1%) and First-Citizens Bank & Trust Company (5.8%). 22 institutions hold $24.37B at 61 offices as of June 30, 2026, up 5.2% from 2025.
Largest share changes since 2025
Gained: Live Oak Banking Company (5.72 points); TowneBank (0.66 points, new to this market); Fifth Third Bank, N.A. (0.13 points).
Lost: Truist Bank (-3.80 points); Wells Fargo Bank, N.A. (-1.29 points); TD Bank, N.A. (-0.30 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $14.68B | 60.23% | +5.72 pts |
| 2 | Truist Bank | $3.20B | 13.11% | -3.80 pts |
| 3 | First-Citizens Bank & Trust Company | $1.42B | 5.84% | -0.16 pts |
| 4 | Wells Fargo Bank, N.A. | $1.18B | 4.84% | -1.29 pts |
| 5 | Bank of America, N.A. | $779.6M | 3.20% | -0.20 pts |
| 6 | First Bank | $552.5M | 2.27% | -0.15 pts |
| 7 | First National Bank of Pennsylvania | $499.3M | 2.05% | -0.07 pts |
| 8 | PNC Bank, N.A. | $460.2M | 1.89% | -0.08 pts |
| 9 | SouthState Bank, N.A. | $360.3M | 1.48% | +0.00 pts |
| 10 | TD Bank, N.A. | $182.8M | 0.75% | -0.30 pts |
| 11 | Bank OZK | $175.8M | 0.72% | +0.04 pts |
| 12 | TowneBank | $161.6M | 0.66% | +0.66 pts |
| 13 | First Carolina Bank | $159.6M | 0.65% | +0.05 pts |
| 14 | United Bank | $129.3M | 0.53% | -0.05 pts |
| 15 | Southern Bank and Trust Company | $120.9M | 0.50% | +0.01 pts |
| 16 | North State Bank | $93.2M | 0.38% | +0.01 pts |
| 17 | Paragon Bank | $91.2M | 0.37% | +0.04 pts |
| 18 | United Community Bank | $77.7M | 0.32% | +0.04 pts |
| 19 | Fifth Third Bank, N.A. | $42.8M | 0.18% | +0.13 pts |
| 20 | FSNB, N.A. | $6.1M | 0.02% | 0.00 pts |
| 21 | Davidson Trust Co. | $0 | <0.01% | 0.00 pts |
| 21 | First Community Bank | $0 | <0.01% | 0.00 pts |
About this list
Deposits are those held at each institution's offices in Wilmington, NC (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.
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Statewide deposits
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