RANKING ·
Largest net interest margin improvement 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 and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | New Republic Bank | Roanoke Rapids, NC | +113 bps | $176 million |
| 2 | Nantahala Bank & Trust Company | Franklin, NC | +49 bps | $289 million |
| 3 | Triad Business Bank | Greensboro, NC | +44 bps | $536 million |
| 4 | Southern Bank and Trust Company | Mount Olive, NC | +43 bps | $5.3 billion |
| 5 | First Bank | Southern Pines, NC | +35 bps | $13.0 billion |
| 6 | Bank of Oak Ridge | Oak Ridge, NC | +34 bps | $658 million |
| 7 | Piedmont Federal Savings Bank | Winston Salem, NC | +31 bps | $1.3 billion |
| 8 | Belmont Savings Bank SSB | Belmont, NC | +30 bps | $161 million |
| 9 | Hometrust Bank | Asheville, NC | +25 bps | $4.4 billion |
| 10 | Peoples Bank | Newton, NC | +19 bps | $1.8 billion |
| 11 | Lifestore Bank | West Jefferson, NC | +17 bps | $491 million |
| 12 | Roxboro Savings Bank SSB | Roxboro, NC | +16 bps | $361 million |
| 13 | First Federal Bank | Dunn, NC | +16 bps | $276 million |
| 14 | The Fidelity Bank | Fuquay Varina, NC | +15 bps | $4.7 billion |
| 15 | Taylorsville Savings Bank SSB | Taylorsville, NC | +15 bps | $232 million |
| 16 | First Carolina Bank | Rocky Mount, NC | +13 bps | $3.4 billion |
| 17 | First Federal Savings Bank of Lincolnton | Lincolnton, NC | +13 bps | $486 million |
| 18 | American Bank of the Carolinas | Monroe, NC | +10 bps | $214 million |
| 19 | Providence Bank | Rocky Mount, NC | +10 bps | $1.5 billion |
| 20 | Blueharbor Bank | Mooresville, NC | +10 bps | $628 million |
| 21 | Lumbee Guaranty Bank | Pembroke, NC | +9 bps | $583 million |
| 22 | Bank of America N.A. | Charlotte, NC | +7 bps | $2.7 trillion |
| 23 | North State Bank | Raleigh, NC | +7 bps | $1.5 billion |
| 24 | Live Oak Banking Company | Wilmington, NC | -1 bps | $16.0 billion |
| 25 | Morganton Savings Bank, S.S.B. | Morganton, NC | -2 bps | $114 million |
| 26 | Truist Bank | Charlotte, NC | -2 bps | $548 billion |
| 27 | Uwharrie Bank | Albemarle, NC | -5 bps | $1.2 billion |
| 28 | Farmers and Merchants Bank | Granite Quarry, NC | -7 bps | $999 million |
| 29 | Mechanics & Farmers Bank | Durham, NC | -9 bps | $476 million |
| 30 | Ks Bank Inc. | Smithfield, NC | -9 bps | $874 million |
| 31 | First-Citizens Bank & Trust Company | Raleigh, NC | -14 bps | $236 billion |
| 32 | Tiaa Trust N.A. | Charlotte, NC | -63 bps | $241 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings