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Macon County, NC Bank Deposit Market Share

First-Citizens Bank & Trust Company holds the largest share of deposits in Macon County, NC, 30.4%, followed by PNC Bank, N.A. (20.5%) and Nantahala Bank & Trust Company (12.4%). 7 institutions hold $1.21B at 9 offices as of June 30, 2026, down 0.4% from 2025.

Institutions: 7 Offices: 9 Deposits: $1.21B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Nantahala Bank & Trust Company (1.39 points); Wells Fargo Bank, N.A. (0.80 points); United Community Bank (0.67 points).

Lost: First-Citizens Bank & Trust Company (-2.42 points); PNC Bank, N.A. (-0.35 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 First-Citizens Bank & Trust Company 2 $368.8M 30.44% -2.42 pts -7.7%
2 PNC Bank, N.A. 1 $248.0M 20.47% -0.35 pts -2.1%
3 Nantahala Bank & Trust Company 1 $149.7M 12.36% +1.39 pts 12.2%
4 First Bank 2 $140.1M 11.56% -0.05 pts -0.8%
5 Wells Fargo Bank, N.A. 1 $122.6M 10.12% +0.80 pts 8.1%
6 United Community Bank 1 $118.8M 9.81% +0.67 pts 6.9%
7 Regions Bank 1 $63.5M 5.24% -0.04 pts -1.2%

About this list

Deposits are those held at each institution's offices in Macon County 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.

Wider markets

North Carolina deposits by institution North Carolina bank directory

Other counties in North Carolina

Mecklenburg CountyWake CountyNew Hanover CountyGuilford CountyDurham CountyForsyth CountyBuncombe CountyCumberland CountyIredell CountyCatawba CountyCabarrus CountyOrange CountyPitt CountyNash CountyGaston CountyUnion CountyBrunswick CountyJohnston CountyMoore CountyDavidson CountyAlamance CountyHenderson CountyWilson CountyOnslow CountyWayne CountyRandolph CountyRowan CountyDare CountyLincoln CountyCraven CountyCarteret CountySurry CountyStanly CountyWatauga CountyRobeson CountyHarnett CountyCleveland CountyRockingham CountyLee CountyColumbus County

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