2026 Rankings

Best Banks in North Carolina

38 banks in North Carolina ranked by our TFS Financial Health Grade. Scores based on capital adequacy, asset quality, earnings, and consumer protection data.

Rank	Institution	City	Assets	Score	Grade
1	Farmers & Merchants Bank	Granite Quarry	$965.7M	84.5	B
2	The Fidelity Bank	Fuquay Varina	$4.4B	82.3	B-
3	BlueHarbor Bank	Mooresville	$606.8M	81.7	B-
4	Providence Bank	Rocky Mount	$1.4B	81.1	B-
5	Roxboro Savings Bank, SSB	Roxboro	$349.8M	80.5	B-
6	First Federal Savings Bank of Lincolnton	Lincolnton	$477.0M	78.3	C+
7	Peoples Bank	Newton	$1.7B	77.3	C+
8	First Bank	Southern Pines	$12.7B	77.0	C+
9	LifeStore Bank	West Jefferson	$497.4M	76.3	C
10	Nantahala Bank & Trust Company	Franklin	$279.9M	76.0	C
11	Southern Bank and Trust Company	Mount Olive	$5.2B	75.9	C
12	Truist Bank	Charlotte	$539.5B	75.6	C
13	First-Citizens Bank & Trust Company	Raleigh	$229.3B	75.6	C
14	HomeTrust Bank	Asheville	$4.5B	74.5	C
15	Jackson Savings Bank, SSB	Sylva	$30.5M	73.9	C
16	American Bank of the Carolinas	Monroe	$212.1M	73.5	C
17	Uwharrie Bank	Albemarle	$1.2B	73.5	C
18	Cedar Hill National Bank	Charlotte	$15.6M	72.5	C-
19	Mechanics & Farmers Bank	Durham	$479.5M	71.3	C-
20	Taylorsville Savings Bank, SSB	Taylorsville	$216.4M	71.0	C-
21	First Federal Bank	Dunn	$271.9M	71.0	C-
22	New Republic Bank	Charlotte	$235.4M	70.4	C-
23	KS Bank, Inc.	Smithfield	$821.6M	70.2	C-
24	Bank of Oak Ridge	Oak Ridge	$657.8M	69.5	D+
25	First Carolina Bank	Rocky Mount	$3.3B	68.6	D+
26	North State Bank	Raleigh	$1.4B	67.8	D+
27	Morganton Savings Bank, S.S.B.	Morganton	$107.4M	66.8	D
28	First Savings and Loan Association	Mebane	$55.5M	66.7	D
29	Riverside Savings Bank, SSB	Roanoke Rapids	$94.2M	66.7	D
30	Triad Business Bank	Greensboro	$530.9M	66.2	D
31	Piedmont Federal Savings Bank	Winston Salem	$1.3B	64.7	D
32	Bank of America, National Association	Charlotte	$2636.8B	63.6	D
33	Hertford Savings Bank, SSB	Hertford	$19.4M	63.0	D
34	Live Oak Banking Company	Wilmington	$15.1B	61.0	D-
35	Black Mountain Savings Bank, SSB	Black Mountain	$42.4M	60.5	D-
36	Lumbee Guaranty Bank	Pembroke	$561.4M	58.9	F
37	Tarboro Savings Bank, SSB	Tarboro	$55.1M	57.5	F
38	Belmont Savings Bank, SSB	Belmont	$151.3M	55.0	F

Rankings based on TFS Financial Health Grades, calculated from FDIC quarterly financial data. Scores reflect capital adequacy, asset quality, earnings, liquidity, growth, and consumer protection metrics.Learn about our methodology

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