HEADQUARTERED IN NORTH CAROLINA
North Carolina banks and credit unions
96 institutions headquartered in North Carolina. Totals describe institutions by headquarters, not deposits held at branches in the state.
North Carolina banks
- 39 banks headquartered in North Carolina reported $3.5 trillion in combined total assets for the quarter ended June 30, 2026.
- Their combined deposits were $2.8 trillion, up 1.1% from a year earlier among institutions that reported both quarters.
- The median net interest margin was 3.42%, and the median cost of all deposits was 1.87%.
- Institutions
- 39
- Combined total assets
- $3.5 trillion
- Combined deposits
- $2.8 trillion
- Deposit growth, 12 months
- +1.1%
- Loan growth, 12 months
- +5.7%
- Median net interest margin
- 3.42%
- Median return on assets
- 1.13%
- Median cost of deposits
- 1.87%
What stands out
- Peoples BankNoninterest-bearing deposit share rising while the peer median falls
- New Republic BankReliance on CDs rising while the peer median holds steady
- First Carolina BankReliance on CDs falling faster than peers
- Tiaa Trust N.A.Return on assets falling while the peer median rises
- Roxboro Savings Bank SSBEfficiency ratio falling faster than peers
- Lumbee Guaranty BankBorrowed funding rising while the peer median holds steady
- Hometrust BankC&I lending shrinking while the peer median grows
- First Federal Savings Bank of LincolntonEfficiency ratio rising while the peer median falls
Largest banks
| Institution | City | Total assets | Deposit growth | ROA |
|---|---|---|---|---|
| Bank of America N.A. | Charlotte | $2.7 trillion | +0.6% | 1.13% |
| Truist Bank | Charlotte | $548 billion | +0.4% | 1.16% |
| First-Citizens Bank & Trust Company | Raleigh | $236 billion | +8.5% | 1.09% |
| Live Oak Banking Company | Wilmington | $16.0 billion | +16.2% | 1.04% |
| First Bank | Southern Pines | $13.0 billion | +2.3% | 1.62% |
| Southern Bank and Trust Company | Mount Olive | $5.3 billion | +7.8% | 1.91% |
| The Fidelity Bank | Fuquay Varina | $4.7 billion | +7.9% | 1.75% |
| Hometrust Bank | Asheville | $4.4 billion | -1.7% | 1.52% |
| First Carolina Bank | Rocky Mount | $3.4 billion | -2.6% | 0.72% |
| Peoples Bank | Newton | $1.8 billion | +3.5% | 1.28% |
| Providence Bank | Rocky Mount | $1.5 billion | +8.7% | 1.83% |
| North State Bank | Raleigh | $1.5 billion | +6.7% | 0.81% |
| Piedmont Federal Savings Bank | Winston Salem | $1.3 billion | +3.0% | 0.25% |
| Uwharrie Bank | Albemarle | $1.2 billion | +3.4% | 1.37% |
| Farmers and Merchants Bank | Granite Quarry | $999 million | +6.6% | 2.62% |
Rankings
- Largest banks in North Carolina
- Fastest deposits growth in North Carolina
- Fastest loan growth in North Carolina
- Highest return on assets in North Carolina
All 39 banks headquartered in North Carolina
- American Bank of the Carolinas Monroe
- Bank of America N.A. Charlotte
- Bank of Oak Ridge Oak Ridge
- Belmont Savings Bank SSB Belmont
- Black Mountain Savings Bank SSB Black Mountain
- Blueharbor Bank Mooresville
- Cedar Hill National Bank Charlotte
- Farmers and Merchants Bank Granite Quarry
- First Bank Southern Pines
- First Carolina Bank Rocky Mount
- First Federal Bank Dunn
- First Federal Savings Bank of Lincolnton Lincolnton
- First Savings and Loan Association Mebane
- First-Citizens Bank & Trust Company Raleigh
- Hertford Savings Bank SSB Hertford
- Hometrust Bank Asheville
- Jackson Savings Bank SSB Sylva
- Ks Bank Inc. Smithfield
- Lifestore Bank West Jefferson
- Live Oak Banking Company Wilmington
- Lumbee Guaranty Bank Pembroke
- Mechanics & Farmers Bank Durham
- Morganton Savings Bank, S.S.B. Morganton
- Nantahala Bank & Trust Company Franklin
- New Republic Bank Roanoke Rapids
- North State Bank Raleigh
- Peoples Bank Newton
- Piedmont Federal Savings Bank Winston Salem
- Providence Bank Rocky Mount
- Riverside Savings Bank SSB Roanoke Rapids
- Roxboro Savings Bank SSB Roxboro
- Southern Bank and Trust Company Mount Olive
- Tarboro Savings Bank SSB Tarboro
- Taylorsville Savings Bank SSB Taylorsville
- The Fidelity Bank Fuquay Varina
- Tiaa Trust N.A. Charlotte
- Triad Business Bank Greensboro
- Truist Bank Charlotte
- Uwharrie Bank Albemarle
North Carolina credit unions
- 57 credit unions headquartered in North Carolina reported $92.0 billion in combined total assets for the quarter ended June 30, 2026.
- Their combined shares and deposits were $80.3 billion, up 5.3% from a year earlier among institutions that reported both quarters.
- The median net interest margin was 3.94%, and the median cost of all shares and deposits was 1.38%.
- Institutions
- 57
- Combined total assets
- $92.0 billion
- Combined shares and deposits
- $80.3 billion
- Share and deposit growth, 12 months
- +5.3%
- Loan growth, 12 months
- +3.8%
- Median net interest margin
- 3.94%
- Median return on assets
- 0.63%
- Median cost of shares and deposits
- 1.38%
What stands out
- Civic Federal Credit UnionNet worth ratio falling while the peer median rises
- Texas Gulf Carolina Emp Credit UnionNet charge-offs falling while the peer median holds steady
- Bragg Mutual Federal Credit UnionLending absorbing more of the share base as cash falls
- Emergency Responders Credit UnionFunding pressure building
- Self-Help Federal Credit UnionNet worth ratio falling while the peer median rises
- Mount Vernon Baptist Church Credit UnionEfficiency ratio falling while the peer median rises
- Fort Bragg Federal Credit UnionAuto lending shrinking faster than peers
- Lion'S Share Federal Credit UnionFee and other noninterest income among the highest of similar credit unions
Largest credit unions
| Institution | City | Total assets | Share growth | ROA |
|---|---|---|---|---|
| State Employees' Credit Union | Raleigh | $60.0 billion | +6.4% | 0.81% |
| Coastal Federal Credit Union | Raleigh | $6.2 billion | +8.2% | 1.08% |
| Truliant Federal Credit Union | Winston Salem | $5.6 billion | +6.3% | 0.98% |
| Civic Federal Credit Union | Raleigh | $3.1 billion | -14.6% | -3.26% |
| Allegacy Financial Federal Credit Union | Winston Salem | $2.6 billion | +6.7% | 0.78% |
| Self-Help Federal Credit Union | Durham | $2.4 billion | +8.7% | 0.59% |
| Self-Help Credit Union | Durham | $2.2 billion | +3.2% | 1.54% |
| Skyla Federal Credit Union | Charlotte | $1.7 billion | +3.1% | 0.63% |
| Marine Federal Credit Union | Jacksonville | $1.1 billion | +7.5% | 0.55% |
| Latino Community Credit Union | Durham | $1.0 billion | -2.5% | 0.88% |
| Fort Bragg Federal Credit Union | Fayetteville | $690 million | +3.6% | 1.97% |
| Champion Credit Union | Canton | $552 million | -0.5% | 1.03% |
| Carolinas Telco Federal Credit Union | Charlotte | $506 million | +0.9% | 0.63% |
| Members Credit Union | Winston Salem | $477 million | +3.5% | 1.36% |
| Telco Community Credit Union | Candler | $429 million | +2.9% | 1.21% |
Rankings
- Largest credit unions in North Carolina
- Fastest shares and deposits growth in North Carolina
- Fastest loan growth in North Carolina
- Highest return on assets in North Carolina
All 57 credit unions headquartered in North Carolina
- Acclaim Federal Credit Union Greensboro
- Allegacy Financial Federal Credit Union Winston Salem
- Allvac Savings and Credit Union Monroe
- American Partners Federal Credit Union Reidsville
- Arcade Credit Union Asheville
- Blue Flame Credit Union Charlotte
- Bragg Mutual Federal Credit Union Fayetteville
- Carolina Cooperative Federal Credit Union Charlotte
- Carolina Federal Credit Union Cherryville
- Carolinas Telco Federal Credit Union Charlotte
- Champion Credit Union Canton
- Charlotte Fire Department Credit Union Charlotte
- Civic Federal Credit Union Raleigh
- Coastal Federal Credit Union Raleigh
- Cs Credit Union Catawba
- Duke University Federal Credit Union Durham
- Electel Cooperative Federal Credit Union Raleigh
- Emergency Responders Credit Union Winston Salem
- First Carolina People'S Credit Union Goldsboro
- First Flight Federal Credit Union Cary
- Fort Bragg Federal Credit Union Fayetteville
- Greater Kinston Credit Union Kinston
- Greensboro Postal Credit Union Greensboro
- Guco Credit Union Greenville
- Healthshare Credit Union Greensboro
- Hsm Federal Credit Union Hickory
- Internal Revenue Employees Federal Credit Union Greensboro
- Latino Community Credit Union Durham
- Lion'S Share Federal Credit Union Salisbury
- Lithium Federal Credit Union Bessemer City
- Marine Federal Credit Union Jacksonville
- Mcdowell Cornerstone Credit Union Marion
- Members Credit Union Winston Salem
- Mount Vernon Baptist Church Credit Union Durham
- Mountain Credit Union Waynesville
- North Carolina Community Federal Credit Union Goldsboro
- North Carolina Press Association Federal Credit Union Raleigh
- Nova Credit Union Charlotte
- Oteen V. A. Federal Credit Union Asheville
- Piedmont Advantage Credit Union Winston Salem
- R T P Federal Credit Union Rtp
- Revity Federal Credit Union Greensboro
- Self-Help Credit Union Durham
- Self-Help Federal Credit Union Durham
- Shuford Federal Credit Union Hickory
- Skyla Federal Credit Union Charlotte
- State Employees' Credit Union Raleigh
- Summit Credit Union Greensboro
- Tcp Credit Union Rural Hall
- Telco Community Credit Union Candler
- Telco Credit Union Tarboro
- Texas Gulf Carolina Emp Credit Union Aurora
- Truliant Federal Credit Union Winston Salem
- Vision Financial Federal Credit Union Durham
- Welcome Federal Credit Union Morrisville
- Weyco Community Credit Union Plymouth
- Wnc Community CU Waynesville