RANKING ·
Highest return on assets 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 | Annualized return on assets for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Tiaa Trust N.A. | Charlotte, NC | 4.56% | $241 million |
| 2 | Farmers and Merchants Bank | Granite Quarry, NC | 2.62% | $999 million |
| 3 | Blueharbor Bank | Mooresville, NC | 2.26% | $628 million |
| 4 | New Republic Bank | Roanoke Rapids, NC | 2.05% | $176 million |
| 5 | Southern Bank and Trust Company | Mount Olive, NC | 1.91% | $5.3 billion |
| 6 | Providence Bank | Rocky Mount, NC | 1.83% | $1.5 billion |
| 7 | The Fidelity Bank | Fuquay Varina, NC | 1.75% | $4.7 billion |
| 8 | Nantahala Bank & Trust Company | Franklin, NC | 1.65% | $289 million |
| 9 | First Bank | Southern Pines, NC | 1.62% | $13.0 billion |
| 10 | Hometrust Bank | Asheville, NC | 1.52% | $4.4 billion |
| 11 | Bank of Oak Ridge | Oak Ridge, NC | 1.45% | $658 million |
| 12 | American Bank of the Carolinas | Monroe, NC | 1.45% | $214 million |
| 13 | Roxboro Savings Bank SSB | Roxboro, NC | 1.45% | $361 million |
| 14 | Ks Bank Inc. | Smithfield, NC | 1.38% | $874 million |
| 15 | Uwharrie Bank | Albemarle, NC | 1.37% | $1.2 billion |
| 16 | Peoples Bank | Newton, NC | 1.28% | $1.8 billion |
| 17 | Lifestore Bank | West Jefferson, NC | 1.21% | $491 million |
| 18 | Truist Bank | Charlotte, NC | 1.16% | $548 billion |
| 19 | Bank of America N.A. | Charlotte, NC | 1.13% | $2.7 trillion |
| 20 | First-Citizens Bank & Trust Company | Raleigh, NC | 1.09% | $236 billion |
| 21 | Live Oak Banking Company | Wilmington, NC | 1.04% | $16.0 billion |
| 22 | Taylorsville Savings Bank SSB | Taylorsville, NC | 0.90% | $232 million |
| 23 | Lumbee Guaranty Bank | Pembroke, NC | 0.84% | $583 million |
| 24 | North State Bank | Raleigh, NC | 0.81% | $1.5 billion |
| 25 | First Carolina Bank | Rocky Mount, NC | 0.72% | $3.4 billion |
| 26 | Mechanics & Farmers Bank | Durham, NC | 0.71% | $476 million |
| 27 | Morganton Savings Bank, S.S.B. | Morganton, NC | 0.54% | $114 million |
| 28 | Belmont Savings Bank SSB | Belmont, NC | 0.46% | $161 million |
| 29 | First Federal Savings Bank of Lincolnton | Lincolnton, NC | 0.42% | $486 million |
| 30 | First Federal Bank | Dunn, NC | 0.39% | $276 million |
| 31 | Piedmont Federal Savings Bank | Winston Salem, NC | 0.25% | $1.3 billion |
| 32 | Triad Business Bank | Greensboro, NC | 0.06% | $536 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings