State directory · NC

North Carolina Banks

Name: North Carolina Banks - 38 FDIC-Insured Banks
Creator: Federal Deposit Insurance Corporation (FDIC)
License: https://creativecommons.org/publicdomain/zero/1.0/

Every FDIC-insured bank headquartered in North Carolina, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial

38
FDIC banks: 74/100
Avg health score: $3.47T
Total assets: 7
Failures since 2000

Data updated July 2026

The state picture

North Carolina's 38 FDIC banks hold $3.47T in assets and average 74/100 on health - 74% earn an A or B grade.

38
FDIC-insured banks: 74%
grade A or B (28 banks): $2.64T
largest - Bank of America: 7
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: North Carolina's average health score of 74/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

42% of banks

32% of banks

21% of banks

5% of banks

0% of banks

Largest banks in North Carolina

Top 10 North Carolina banks by total assets

1

Bank of America $2.64T

Charlotte, NC · Grade A
2

Truist Bank $539.5B

Charlotte, NC · Grade A
3

First-Citizens Bank & Trust Company $229.3B

Raleigh, NC · Grade B
4

Live Oak Banking Company $15.1B

Wilmington, NC · Grade C
5

First Bank $12.7B

Southern Pines, NC · Grade A
6

Southern Bank and Trust Company $5.2B

Mount Olive, NC · Grade A
7

HomeTrust Bank $4.5B

Asheville, NC · Grade A
8

The Fidelity Bank $4.4B

Fuquay Varina, NC · Grade A
9

First Carolina Bank $3.3B

Rocky Mount, NC · Grade C
10

Peoples Bank $1.7B

Newton, NC · Grade A

Top 10 of 38 North Carolina banks · FDIC Call Report Q4 2025.

How North Carolina compares nationally

North Carolina ranks #36 of 55 states and territories by average bank health score - better than 35% of them.

North Carolina: 74/100

All 38 North Carolina banks

Bank	City	Assets	Grade	Tier 1 %	ROA
Bank of America, National Association	Charlotte	$2.64T	A	12.5%	1.15%
Truist Bank	Charlotte	$539.5B	A	11.8%	1.04%
First-Citizens Bank & Trust Company	Raleigh	$229.3B	B	12.5%	1.00%
Live Oak Banking Company	Wilmington	$15.1B	C	10.5%	0.82%
First Bank	Southern Pines	$12.7B	A	14.7%	0.94%
Southern Bank and Trust Company	Mount Olive	$5.2B	A	12.9%	1.19%
HomeTrust Bank	Asheville	$4.5B	A	13.7%	1.43%
The Fidelity Bank	Fuquay Varina	$4.4B	A	15.8%	1.74%
First Carolina Bank	Rocky Mount	$3.3B	C	11.2%	0.51%
Peoples Bank	Newton	$1.7B	A	14.8%	1.24%
Providence Bank	Rocky Mount	$1.4B	A	13.3%	1.79%
North State Bank	Raleigh	$1.4B	B	11.3%	0.96%
Piedmont Federal Savings Bank	Winston Salem	$1.3B	B	19.2%	0.14%
Uwharrie Bank	Albemarle	$1.2B	A	13.0%	1.07%
Farmers & Merchants Bank	Granite Quarry	$966M	A	24.6%	2.24%
KS Bank, Inc.	Smithfield	$822M	B	9.0%	1.33%
Bank of Oak Ridge	Oak Ridge	$658M	B	11.9%	1.32%
BlueHarbor Bank	Mooresville	$607M	A	12.8%	1.99%
Lumbee Guaranty Bank	Pembroke	$561M	B	10.9%	0.78%
Triad Business Bank	Greensboro	$531M	C	11.5%	0.26%
LifeStore Bank	West Jefferson	$497M	A	18.7%	1.13%
Mechanics & Farmers Bank	Durham	$480M	B	24.6%	0.72%
First Federal Savings Bank of Lincolnton	Lincolnton	$477M	B	34.4%	0.67%
Roxboro Savings Bank, SSB	Roxboro	$350M	A	38.9%	0.93%
Nantahala Bank & Trust Company	Franklin	$280M	A	12.7%	1.26%
First Federal Bank	Dunn	$272M	C	15.6%	0.30%
New Republic Bank	Charlotte	$235M	B	18.9%	-0.13%
Taylorsville Savings Bank, SSB	Taylorsville	$216M	B	13.5%	0.57%
American Bank of the Carolinas	Monroe	$212M	A	12.4%	1.31%
Belmont Savings Bank, SSB	Belmont	$151M	C	13.5%	0.19%
Morganton Savings Bank, S.S.B.	Morganton	$107M	B	26.9%	0.21%
Riverside Savings Bank, SSB	Roanoke Rapids	$94M	B	18.8%	0.23%
First Savings and Loan Association	Mebane	$56M	C	54.0%	-0.11%
Tarboro Savings Bank, SSB	Tarboro	$55M	D	11.0%	-0.64%
Black Mountain Savings Bank, SSB	Black Mountain	$42M	C	12.2%	-0.15%
Jackson Savings Bank, SSB	Sylva	$31M	C	46.4%	-0.13%
Hertford Savings Bank, SSB	Hertford	$19M	D	11.2%	-0.08%
Cedar Hill National Bank	Charlotte	$16M	A	91.9%	4.75%

How to read the North Carolina bank directory

This page lists every FDIC-insured bank with a primary regulatory address in North Carolina. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 38 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across North Carolina, 28 institutions (74%) sit in the A or B band, while 2 (5%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 7 banks headquartered in North Carolina have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the North Carolina directory

Three ways to put this state view to work.

Open the largest or highest-graded North Carolina banks to see the full four-pillar breakdown. Top bank profile
Compare the safest and highest-risk banks nationwide before moving funds. Safest banks
Confirm your deposit insurance coverage - $250,000 per depositor, per category. FDIC insurance explained

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.

Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.

North Carolina Banks

Health grade distribution

Largest banks in North Carolina