| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | State Employees' Credit Union | Credit union | 1 | $187.0M* | 43.32% |
| 2 | United Community Bank | Bank | 1 | $124.3M | 28.79% |
| 3 | Nantahala Bank & Trust Company | Bank | 1 | $63.7M | 14.76% |
| 4 | First-Citizens Bank & Trust Company | Bank | 1 | $56.7M | 13.13% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $431.7M | 4 | 4 | State Employees' Credit Union | 43.3% | 3,096 |
| 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 | $436.0M | 4 | 4 | State Employees' Credit Union | 42.9% | 3,021 |
| 2022 | $438.9M | 4 | 4 | State Employees' Credit Union | 42.9% | 3,016 |
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.