Banks by state
Safest banks in North Carolina
- Quarter ending
- June 30, 2026
- Source
- FDIC Call Reports
- Results
- 38
Scores from 0 to 100 compare banks within separate groups based on total assets. The state lists sort these scores; “Safest” is not an absolute ranking of risk or a recommendation. Trust institutions, which manage assets for others, and banks that do not lend remain included. Their business models can affect reported ratios.
Ranked banks
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| Bank | Score | Grade | Peer group | Assets |
|---|---|---|---|---|
| Rank 1Roxboro Savings Bank, SSBRoxboro | 97.7 | Grade A | $300M to under $1B | $361M |
| Rank 2First Federal Savings Bank of LincolntonLincolnton | 96.3 | Grade A | $300M to under $1B | $486M |
| Rank 3Jackson Savings Bank, SSBSylva | 93.6 | Grade A | Under $300M | $31.9M |
| Rank 4Cedar Hill National BankCharlotte | 90.6 | Grade A | Under $300M | $16.0M |
| Rank 5Peoples BankNewton | 89.8 | Grade A | $1B to under $10B | $1.76B |
| Rank 6Black Mountain Savings Bank, SSBBlack Mountain | 89.4 | Grade A | Under $300M | $43.0M |
| Rank 7Piedmont Federal Savings BankWinston Salem | 87.7 | Grade A | $1B to under $10B | $1.32B |
| Rank 8Providence BankRocky Mount | 87.4 | Grade A | $1B to under $10B | $1.51B |
| Rank 9Riverside Savings Bank, SSBRoanoke Rapids | 81.8 | Grade A | Under $300M | $94.5M |
| Rank 10Morganton Savings Bank, S.S.B.Morganton | 78.3 | Grade B | Under $300M | $114M |
| Rank 11First Savings and Loan AssociationMebane | 78.3 | Grade B | Under $300M | $55.9M |
| Rank 12LifeStore BankWest Jefferson | 77.5 | Grade B | $300M to under $1B | $491M |
| Rank 13HomeTrust BankAsheville | 74.6 | Grade B | $1B to under $10B | $4.44B |
| Rank 14Southern Bank and Trust CompanyMount Olive | 69.1 | Grade B | $1B to under $10B | $5.30B |
| Rank 15New Republic BankRoanoke Rapids | 60.8 | Grade B | Under $300M | $176M |
| Rank 16First BankSouthern Pines | 58.7 | Grade B | $10B to under $100B | $13.0B |
| Rank 17BlueHarbor BankMooresville | 57.8 | Grade B | $300M to under $1B | $628M |
| Rank 18Tarboro Savings Bank, SSBTarboro | 57.0 | Grade B | Under $300M | $54.1M |
| Rank 19Farmers & Merchants BankGranite Quarry | 56.4 | Grade B | $300M to under $1B | $999M |
| Rank 20The Fidelity BankFuquay Varina | 54.8 | Grade B | $1B to under $10B | $4.66B |
| Rank 21American Bank of the CarolinasMonroe | 49.4 | Grade C | Under $300M | $214M |
| Rank 22First Carolina BankRocky Mount | 48.5 | Grade C | $1B to under $10B | $3.41B |
| Rank 23Uwharrie BankAlbemarle | 46.5 | Grade C | $1B to under $10B | $1.22B |
| Rank 24Lumbee Guaranty BankPembroke | 39.4 | Grade C | $300M to under $1B | $583M |
| Rank 25Bank of Oak RidgeOak Ridge | 33.2 | Grade C | $300M to under $1B | $658M |
| Bank | Score | Grade | Peer group | Assets |
| Rank 26Belmont Savings Bank, SSBBelmont | 33.2 | Grade C | Under $300M | $161M |
| Rank 27Live Oak Banking CompanyWilmington | 31.3 | Grade C | $10B to under $100B | $16.0B |
| Rank 28Hertford Savings Bank, SSBHertford | 29.9 | Grade C | Under $300M | $20.7M |
| Rank 29Truist BankCharlotte | 29.0 | Grade C | $100B or more | $548B |
| Rank 30Taylorsville Savings Bank, SSBTaylorsville | 23.0 | Grade C | Under $300M | $232M |
| Rank 31Bank of America, National AssociationCharlotte | 22.6 | Grade C | $100B or more | $2.65T |
| Rank 32Mechanics & Farmers BankDurham | 22.3 | Grade C | $300M to under $1B | $476M |
| Rank 33KS Bank, Inc.Smithfield | 21.9 | Grade C | $300M to under $1B | $874M |
| Rank 34First-Citizens Bank & Trust CompanyRaleigh | 16.1 | Grade D | $100B or more | $236B |
| Rank 35North State BankRaleigh | 13.0 | Grade D | $1B to under $10B | $1.46B |
| Rank 36Nantahala Bank & Trust CompanyFranklin | 6.4 | Grade D | Under $300M | $289M |
| Rank 37First Federal BankDunn | 3.8 | Grade F | Under $300M | $276M |
| Rank 38Triad Business BankGreensboro | 0.7 | Grade F | $300M to under $1B | $536M |