RANKING ·
Highest net interest margin in North Carolina
32 of 39 banks in North Carolina that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | Farmers and Merchants Bank | Granite Quarry, NC | 5.18% | $999 million |
| 2 | American Bank of the Carolinas | Monroe, NC | 4.84% | $214 million |
| 3 | Nantahala Bank & Trust Company | Franklin, NC | 4.78% | $289 million |
| 4 | Bank of Oak Ridge | Oak Ridge, NC | 4.78% | $658 million |
| 5 | Hometrust Bank | Asheville, NC | 4.46% | $4.4 billion |
| 6 | Blueharbor Bank | Mooresville, NC | 4.29% | $628 million |
| 7 | Mechanics & Farmers Bank | Durham, NC | 4.19% | $476 million |
| 8 | The Fidelity Bank | Fuquay Varina, NC | 4.10% | $4.7 billion |
| 9 | Providence Bank | Rocky Mount, NC | 4.08% | $1.5 billion |
| 10 | North State Bank | Raleigh, NC | 4.04% | $1.5 billion |
| 11 | Ks Bank Inc. | Smithfield, NC | 4.02% | $874 million |
| 12 | Peoples Bank | Newton, NC | 3.94% | $1.8 billion |
| 13 | Morganton Savings Bank, S.S.B. | Morganton, NC | 3.93% | $114 million |
| 14 | First Bank | Southern Pines, NC | 3.86% | $13.0 billion |
| 15 | Lifestore Bank | West Jefferson, NC | 3.82% | $491 million |
| 16 | Southern Bank and Trust Company | Mount Olive, NC | 3.75% | $5.3 billion |
| 17 | Uwharrie Bank | Albemarle, NC | 3.61% | $1.2 billion |
| 18 | New Republic Bank | Roanoke Rapids, NC | 3.55% | $176 million |
| 19 | Roxboro Savings Bank SSB | Roxboro, NC | 3.42% | $361 million |
| 20 | Live Oak Banking Company | Wilmington, NC | 3.39% | $16.0 billion |
| 21 | First Carolina Bank | Rocky Mount, NC | 3.37% | $3.4 billion |
| 22 | First Federal Bank | Dunn, NC | 3.31% | $276 million |
| 23 | First-Citizens Bank & Trust Company | Raleigh, NC | 3.16% | $236 billion |
| 24 | Taylorsville Savings Bank SSB | Taylorsville, NC | 3.16% | $232 million |
| 25 | Truist Bank | Charlotte, NC | 3.15% | $548 billion |
| 26 | First Federal Savings Bank of Lincolnton | Lincolnton, NC | 3.12% | $486 million |
| 27 | Lumbee Guaranty Bank | Pembroke, NC | 3.04% | $583 million |
| 28 | Tiaa Trust N.A. | Charlotte, NC | 2.89% | $241 million |
| 29 | Triad Business Bank | Greensboro, NC | 2.80% | $536 million |
| 30 | Belmont Savings Bank SSB | Belmont, NC | 2.76% | $161 million |
| 31 | Bank of America N.A. | Charlotte, NC | 2.55% | $2.7 trillion |
| 32 | Piedmont Federal Savings Bank | Winston Salem, NC | 2.48% | $1.3 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings