| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | First Federal Savings Bank of Lincolnton | Bank | 4 | $390.3M | 17.35% |
| 2 | State Employees' Credit Union | Credit union | 2 | $374.0M* | 16.63% |
| 3 | Fifth Third Bank, National Association | Bank | 2 | $321.3M | 14.28% |
| 4 | Bank of America, National Association | Bank | 2 | $261.4M | 11.62% |
| 5 | United Bank | Bank | 2 | $221.9M | 9.86% |
| 6 | Truist Bank | Bank | 2 | $195.2M | 8.68% |
| 7 | Peoples Bank | Bank | 2 | $190.9M | 8.49% |
| 8 | First-Citizens Bank & Trust Company | Bank | 2 | $172.0M | 7.65% |
| 9 | Bank OZK | Bank | 1 | $89.1M | 3.96% |
| 10 | Members Credit Union | Credit union | 1 | $22.5M* | 1.00% |
| 2 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $2.25B | 12 | 22 | First Federal Savings Bank of Lincolnton | 17.4% | 1,236 |
| 2025 | $2.18B | 12 | 22 | First Federal Savings Bank of Lincolnton | 18.1% | 1,238 |
| 2024 | $2.17B | 12 | 23 | First Federal Savings Bank of Lincolnton | 17.3% | 1,236 |
| 2023 | $2.15B | 11 | 22 | State Employees' Credit Union | 17.4% | 1,259 |
| 2022 | $2.18B | 11 | 22 | First Federal Savings Bank of Lincolnton | 18.1% | 1,327 |
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.