State banking profile
Banks in North Carolina
Active FDIC-insured institutions headquartered in North Carolina, reported from their latest published Call Reports.
As of Q1 2026
Total assets →
$3.51T
Total deposits →
$2.77T
Median ROA →
0.90%
Median NIM →
3.36%
Reported scale
Largest banks by assets
Headquarters determine state membership. Values are reported, not adjusted for mergers.
| Bank | Assets | Deposits | ROA | Deposit growth |
|---|---|---|---|---|
| Bank of America, National AssociationCharlotte · FDIC certificate 3,510 | $2.67T | $2.13T | 1.12% | +2.72% |
| Truist BankCharlotte · FDIC certificate 9,846 | $541B | $414B | 1.16% | −0.05% |
| First-Citizens Bank & Trust CompanyRaleigh · FDIC certificate 11,063 | $236B | $171B | 0.96% | +7.08% |
| Live Oak Banking CompanyWilmington · FDIC certificate 58,665 | $15.2B | $14B | 0.89% | +12.22% |
| First BankSouthern Pines · FDIC certificate 15,019 | $12.9B | $11B | 1.51% | +2.39% |
| Southern Bank and Trust CompanyMount Olive · FDIC certificate 15,359 | $5.25B | $4.77B | 0.89% | +6.75% |
| The Fidelity BankFuquay Varina · FDIC certificate 11,507 | $4.5B | $4.03B | 1.72% | +6.34% |
| HomeTrust BankAsheville · FDIC certificate 27,677 | $4.38B | $3.65B | 1.53% | −2.52% |
| First Carolina BankRocky Mount · FDIC certificate 35,530 | $3.42B | $2.97B | 0.83% | +9.37% |
| Peoples BankNewton · FDIC certificate 5,956 | $1.73B | $1.54B | 1.09% | +1.51% |
| Providence BankRocky Mount · FDIC certificate 58,239 | $1.46B | $1.25B | 1.76% | +7.73% |
| North State BankRaleigh · FDIC certificate 35,519 | $1.46B | $1.22B | 0.77% | +1.54% |
| Piedmont Federal Savings BankWinston Salem · FDIC certificate 27,619 | $1.31B | $957M | 0.16% | +1.63% |
| Uwharrie BankAlbemarle · FDIC certificate 24,919 | $1.25B | $1.13B | 1.14% | +6.60% |
| Farmers & Merchants BankGranite Quarry · FDIC certificate 2,036 | $986M | $831M | 2.48% | +6.17% |
| KS Bank, Inc.Smithfield · FDIC certificate 29,771 | $873M | $800M | 1.28% | +21.55% |
| Bank of Oak RidgeOak Ridge · FDIC certificate 35,365 | $655M | $545M | 1.01% | −0.89% |
| BlueHarbor BankMooresville · FDIC certificate 58,691 | $623M | $550M | 2.17% | +20.15% |
| Lumbee Guaranty BankPembroke · FDIC certificate 20,568 | $560M | $494M | 0.82% | +9.15% |
| Triad Business BankGreensboro · FDIC certificate 59,188 | $537M | $437M | 0.30% | −3.61% |
| LifeStore BankWest Jefferson · FDIC certificate 31,217 | $503M | $443M | 1.07% | +3.83% |
| Mechanics & Farmers BankDurham · FDIC certificate 12,266 | $489M | $414M | 0.66% | −3.18% |
| First Federal Savings Bank of LincolntonLincolnton · FDIC certificate 30,315 | $478M | $384M | 0.65% | −0.27% |
| Roxboro Savings Bank, SSBRoxboro · FDIC certificate 28,471 | $358M | $290M | 0.92% | +6.48% |
| Nantahala Bank & Trust CompanyFranklin · FDIC certificate 57,784 | $286M | $259M | 1.30% | +7.66% |
Reported movement
Fastest deposit growth
Growth may include acquired deposits. Use each bank profile’s history and peer context.
| Bank | Assets | Deposits | ROA | Deposit growth |
|---|---|---|---|---|
| American Bank of the CarolinasMonroe · FDIC certificate 59,157 | $243M | $213M | 1.40% | +28.46% |
| KS Bank, Inc.Smithfield · FDIC certificate 29,771 | $873M | $800M | 1.28% | +21.55% |
| BlueHarbor BankMooresville · FDIC certificate 58,691 | $623M | $550M | 2.17% | +20.15% |
| Hertford Savings Bank, SSBHertford · FDIC certificate 31,345 | $20.4M | $18.2M | −0.30% | +18.04% |
| New Republic BankRoanoke Rapids · FDIC certificate 34,860 | $239M | $201M | 1.64% | +17.34% |
| Taylorsville Savings Bank, SSBTaylorsville · FDIC certificate 32,348 | $222M | $206M | 0.86% | +13.74% |
| Live Oak Banking CompanyWilmington · FDIC certificate 58,665 | $15.2B | $14B | 0.89% | +12.22% |
| Belmont Savings Bank, SSBBelmont · FDIC certificate 28,035 | $156M | $106M | 0.45% | +9.62% |
| First Carolina BankRocky Mount · FDIC certificate 35,530 | $3.42B | $2.97B | 0.83% | +9.37% |
| Lumbee Guaranty BankPembroke · FDIC certificate 20,568 | $560M | $494M | 0.82% | +9.15% |