North Carolina bank rankings, Q2 2026
38 FDIC-insured banks are headquartered in North Carolina, holding $3501.26B in combined assets as of Q2 2026. The median bank has $560M in assets, earns a 1.08% return on assets, and runs a 64.69% efficiency ratio.
Highest return on assets among community banks
- Farmers & Merchants Bank Granite Quarry 2.55%
- BlueHarbor Bank Mooresville 2.21%
- New Republic Bank Roanoke Rapids 1.88%
- Providence Bank Rocky Mount 1.80%
- Nantahala Bank & Trust Company Franklin 1.47%
- American Bank of the Carolinas Monroe 1.45%
- KS Bank, Inc. Smithfield 1.33%
- Uwharrie Bank Albemarle 1.26%
- Bank of Oak Ridge Oak Ridge 1.23%
- Roxboro Savings Bank, SSB Roxboro 1.18%
Most efficient community banks (lowest efficiency ratio)
- BlueHarbor Bank Mooresville 33.60%
- Providence Bank Rocky Mount 39.90%
- Farmers & Merchants Bank Granite Quarry 47.88%
- Roxboro Savings Bank, SSB Roxboro 52.28%
- KS Bank, Inc. Smithfield 57.33%
- American Bank of the Carolinas Monroe 57.66%
- New Republic Bank Roanoke Rapids 59.58%
- LifeStore Bank West Jefferson 60.96%
- Bank of Oak Ridge Oak Ridge 62.14%
- Taylorsville Savings Bank, SSB Taylorsville 62.62%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every North Carolina bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Bank of America, National Association Charlotte | $2654.64B | 1.13% | 53.91% | 2.53% |
| Truist Bank Charlotte | $548.35B | 1.16% | 52.99% | 3.14% |
| First-Citizens Bank & Trust Company Raleigh | $236.32B | 1.03% | 65.10% | 3.14% |
| Live Oak Banking Company Wilmington | $15.96B | 0.96% | 53.22% | 3.34% |
| First Bank Southern Pines | $13.03B | 1.56% | 48.12% | 3.82% |
| Southern Bank and Trust Company Mount Olive | $5.30B | 1.40% | 52.63% | 3.70% |
| The Fidelity Bank Fuquay Varina | $4.66B | 1.73% | 51.48% | 4.06% |
| HomeTrust Bank Asheville | $4.44B | 1.52% | 59.43% | 4.36% |
| First Carolina Bank Rocky Mount | $3.41B | 0.78% | 74.60% | 3.39% |
| Peoples Bank Newton | $1.76B | 1.18% | 68.93% | 3.86% |
| Providence Bank Rocky Mount | $1.51B | 1.80% | 39.90% | 4.07% |
| North State Bank Raleigh | $1.46B | 0.79% | 82.03% | 4.00% |
| Piedmont Federal Savings Bank Winston Salem | $1.32B | 0.21% | 88.38% | 2.42% |
| Uwharrie Bank Albemarle | $1.22B | 1.26% | 66.41% | 3.57% |
| Farmers & Merchants Bank Granite Quarry | $999M | 2.55% | 47.88% | 5.09% |
| KS Bank, Inc. Smithfield | $874M | 1.33% | 57.33% | 3.98% |
| Bank of Oak Ridge Oak Ridge | $658M | 1.23% | 62.14% | 4.46% |
| BlueHarbor Bank Mooresville | $628M | 2.21% | 33.60% | 4.26% |
| Lumbee Guaranty Bank Pembroke | $583M | 0.83% | 71.55% | 3.00% |
| Triad Business Bank Greensboro | $536M | 0.18% | 88.37% | 2.71% |
| LifeStore Bank West Jefferson | $491M | 1.14% | 60.96% | 3.76% |
| First Federal Savings Bank of Lincolnton Lincolnton | $486M | 0.53% | 77.56% | 3.07% |
| Mechanics & Farmers Bank Durham | $476M | 0.68% | 76.23% | 4.16% |
| Roxboro Savings Bank, SSB Roxboro | $361M | 1.18% | 52.28% | 3.32% |
| Nantahala Bank & Trust Company Franklin | $289M | 1.47% | 63.64% | 4.65% |
| First Federal Bank Dunn | $276M | 0.29% | 85.36% | 3.26% |
| Taylorsville Savings Bank, SSB Taylorsville | $232M | 0.88% | 62.62% | 3.10% |
| American Bank of the Carolinas Monroe | $214M | 1.45% | 57.66% | 4.78% |
| New Republic Bank Roanoke Rapids | $176M | 1.88% | 59.58% | 3.46% |
| Belmont Savings Bank, SSB Belmont | $161M | 0.45% | 76.98% | 2.72% |
| Morganton Savings Bank, S.S.B. Morganton | $114M | 0.37% | 89.28% | 3.79% |
| Riverside Savings Bank, SSB Roanoke Rapids | $95M | 0.46% | 81.86% | 3.25% |
| First Savings and Loan Association Mebane | $56M | 0.32% | 88.53% | 2.49% |
| Tarboro Savings Bank, SSB Tarboro | $54M | -0.26% | 112.61% | 2.06% |
| Black Mountain Savings Bank, SSB Black Mountain | $43M | -0.21% | 110.55% | 1.96% |
| Jackson Savings Bank, SSB Sylva | $32M | 0.22% | 91.30% | 2.62% |
| Hertford Savings Bank, SSB Hertford | $21M | -0.12% | 102.14% | 2.88% |
| Cedar Hill National Bank Charlotte | $16M | 4.79% | 64.28% | 3.98% |
Method
Banks are FDIC-insured institutions headquartered in North Carolina with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.