| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | First National Bank | Bank | 5 | $546.1M | 44.08% |
| 2 | Wells Fargo Bank, National Association | Bank | 1 | $148.0M | 11.95% |
| 3 | First-Citizens Bank & Trust Company | Bank | 1 | $97.4M | 7.86% |
| 4 | Bank of the James | Bank | 3 | $94.9M | 7.66% |
| 5 | Carter Bank & Trust | Bank | 1 | $80.7M | 6.51% |
| 6 | Central Virginia Federal Credit Union | Credit union | 2 | $68.5M* | 5.53% |
| 7 | Truist Bank | Bank | 2 | $61.3M | 4.95% |
| 8 | The Bank of Charlotte County | Bank | 1 | $51.0M | 4.12% |
| 9 | The Farmers Bank of Appomattox | Bank | 1 | $42.8M | 3.45% |
| 10 | United Bank | Bank | 1 | $30.8M | 2.49% |
| 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 | $1.24B | 12 | 20 | First National Bank | 44.1% | 2,340 |
| 2025 | $1.14B | 11 | 19 | First National Bank | 43.8% | 2,321 |
| 2024 | $1.19B | 13 | 21 | First National Bank | 42.5% | 2,204 |
| 2023 | $1.22B | 14 | 22 | First National Bank | 43.1% | 2,192 |
| 2022 | $1.31B | 14 | 24 | First National Bank | 39.5% | 2,005 |
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.