| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | State Employees' Credit Union | Credit union | 1 | $175.7M* | 41.95% |
| 2 | United Community Bank | Bank | 1 | $122.7M | 29.29% |
| 3 | Nantahala Bank & Trust Company | Bank | 1 | $66.3M | 15.84% |
| 4 | First-Citizens Bank & Trust Company | Bank | 1 | $54.1M | 12.92% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $418.9M | 4 | 4 | State Employees' Credit Union | 42.0% | 3,036 |
| 2024 | $408.7M | 4 | 4 | State Employees' Credit Union | 39.4% | 2,895 |
| 2023 | $435.7M | 4 | 4 | State Employees' Credit Union | 42.8% | 3,019 |
| 2022 | $438.6M | 4 | 4 | State Employees' Credit Union | 42.9% | 3,013 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.