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Rowan County, NC Bank Deposit Market Share

Farmers and Merchants Bank holds the largest share of deposits in Rowan County, NC, 31.1%, followed by Wells Fargo Bank, N.A. (16.4%) and Truist Bank (10.5%). 13 institutions hold $1.99B at 25 offices as of June 30, 2026, up 4.2% from 2025.

Institutions: 13 Offices: 25 Deposits: $1.99B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Fifth Third Bank, N.A. (0.69 points); Bank OZK (0.44 points); First Bank (0.34 points).

Lost: First Horizon Bank (-0.46 points); The Fidelity Bank (-0.27 points); Truist Bank (-0.20 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Farmers and Merchants Bank 9 $619.7M 31.12% +0.03 pts 4.3%
2 Wells Fargo Bank, N.A. 2 $327.1M 16.42% -0.06 pts 3.8%
3 Truist Bank 2 $209.7M 10.53% -0.20 pts 2.3%
4 Bank OZK 1 $135.8M 6.82% +0.44 pts 11.3%
5 Bank of America, N.A. 1 $114.8M 5.76% -0.16 pts 1.5%
6 Fifth Third Bank, N.A. 1 $114.3M 5.74% +0.69 pts 18.5%
7 SouthState Bank, N.A. 2 $104.6M 5.25% -0.10 pts 2.3%
8 First Bank 1 $90.2M 4.53% +0.34 pts 12.7%
9 First Horizon Bank 2 $89.6M 4.50% -0.46 pts -5.4%
10 Pinnacle Bank 1 $88.4M 4.44% -0.15 pts 0.8%
11 The Fidelity Bank 1 $47.8M 2.40% -0.27 pts -6.3%
12 First National Bank of Pennsylvania 1 $42.4M 2.13% -0.12 pts -1.3%
13 Woodforest National Bank 1 $7.0M 0.35% +0.02 pts 10.4%

About this list

Deposits are those held at each institution's offices in Rowan 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 Charlotte-Concord-Gastonia, NC-SC metro area 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 CountyDare CountyLincoln CountyCraven CountyCarteret CountySurry CountyStanly CountyWatauga CountyRobeson CountyHarnett CountyCleveland CountyRockingham CountyLee CountyMacon CountyColumbus County

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