| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | State Employees' Credit Union | Credit union | 2 | $374.0M* | 27.80% |
| 2 | United Community Bank | Bank | 2 | $317.0M | 23.56% |
| 3 | First-Citizens Bank & Trust Company | Bank | 1 | $212.6M | 15.80% |
| 4 | Civic Federal Credit Union | Credit union | 1 | $196.8M* | 14.63% |
| 5 | Truist Bank | Bank | 1 | $89.8M | 6.68% |
| 6 | PNC Bank, National Association | Bank | 1 | $61.4M | 4.56% |
| 7 | Nantahala Bank & Trust Company | Bank | 1 | $46.9M | 3.49% |
| 8 | Mountain Credit Union | Credit union | 1 | $46.7M* | 3.47% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.35B | 8 | 10 | State Employees' Credit Union | 27.8% | 1,881 |
| 2025 | $1.38B | 8 | 10 | State Employees' Credit Union | 25.5% | 1,864 |
| 2024 | $1.06B | 7 | 9 | State Employees' Credit Union | 30.3% | 2,277 |
| 2023 | $1.09B | 7 | 9 | State Employees' Credit Union | 34.2% | 2,332 |
| 2022 | $1.11B | 7 | 9 | State Employees' Credit Union | 33.8% | 2,327 |
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