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The 25 highest scores among FDIC-insured banks in North Carolina, for Q2 2026, ending June 30, 2026. Each score compares that bank with others of a similar size, not with every bank in the state. A high score is not a recommendation to buy.
Showing 1–25 of 25 banks.
| Bank | City | State | Hunter Score | Assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|---|---|
| BlueHarbor Bank | Mooresville | NC | 89 | $628.4 million | 20.5% | 33.6% |
| Providence Bank | Rocky Mount | NC | 80 | $1.5 billion | 14.3% | 39.9% |
| Farmers & Merchants Bank | Granite Quarry | NC | 77 | $998.8 million | 17.1% | 47.9% |
| The Fidelity Bank | Fuquay Varina | NC | 74 | $4.7 billion | 17.4% | 51.5% |
| American Bank of the Carolinas | Monroe | NC | 73 | $214.0 million | 12.7% | 57.7% |
| Southern Bank and Trust Company | Mount Olive | NC | 70 | $5.3 billion | 17.1% | 52.6% |
| Cedar Hill National Bank | Charlotte | NC | 69 | $16.0 million | 6.7% | 64.3% |
| First Bank | Southern Pines | NC | 66 | $13.0 billion | 11.6% | 48.1% |
| Nantahala Bank & Trust Company | Franklin | NC | 65 | $288.8 million | 15.9% | 63.6% |
| KS Bank, Inc. | Smithfield | NC | 64 | $874.5 million | 16.6% | 57.3% |
| New Republic Bank | Roanoke Rapids | NC | 57 | $176.3 million | 11.3% | 59.6% |
| Uwharrie BankTicker UWHR | Albemarle | NC | 56 | $1.2 billion | 15.0% | 66.4% |
| HomeTrust BankTicker HTB | Asheville | NC | 49 | $4.4 billion | 11.4% | 59.4% |
| Peoples Bank | Newton | NC | 48 | $1.8 billion | 11.9% | 68.9% |
| Roxboro Savings Bank, SSB | Roxboro | NC | 47 | $360.7 million | 7.0% | 52.3% |
| Truist BankTicker TFC | Charlotte | NC | 45 | $548.3 billion | 10.0% | 53.0% |
| Bank of America, National Association | Charlotte | NC | 44 | $2.7 trillion | 12.3% | 53.9% |
| Bank of Oak Ridge | Oak Ridge | NC | 44 | $658.1 million | 10.0% | 62.1% |
| Taylorsville Savings Bank, SSB | Taylorsville | NC | 41 | $232.4 million | 13.2% | 62.6% |
| North State Bank | Raleigh | NC | 40 | $1.5 billion | 9.3% | 82.0% |
| LifeStore Bank | West Jefferson | NC | 39 | $491.3 million | 10.4% | 61.0% |
| Live Oak Banking CompanyTicker LOB | Wilmington | NC | 36 | $16.0 billion | 12.6% | 53.2% |
| Riverside Savings Bank, SSB | Roanoke Rapids | NC | 36 | $94.5 million | 2.7% | 81.9% |
| First-Citizens Bank & Trust Company | Raleigh | NC | 27 | $236.3 billion | 10.3% | 65.1% |
| Lumbee Guaranty Bank | Pembroke | NC | 27 | $583.5 million | 9.1% | 71.6% |