| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | First National Bank | Bank | 5 | $500.7M | 43.81% |
| 2 | Wells Fargo Bank, National Association | Bank | 1 | $138.3M | 12.10% |
| 3 | First-Citizens Bank & Trust Company | Bank | 1 | $82.2M | 7.19% |
| 4 | Bank of the James | Bank | 3 | $80.1M | 7.01% |
| 5 | Carter Bank & Trust | Bank | 1 | $77.9M | 6.81% |
| 6 | Central Virginia Federal Credit Union | Credit union | 2 | $67.9M* | 5.94% |
| 7 | Truist Bank | Bank | 2 | $62.3M | 5.45% |
| 8 | The Bank of Charlotte County | Bank | 1 | $49.3M | 4.32% |
| 9 | The Farmers Bank of Appomattox | Bank | 1 | $47.2M | 4.13% |
| 10 | United Bank | Bank | 1 | $29.6M | 2.59% |
| 1 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 |
|---|---|---|---|---|---|---|
| 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 | $1.19B | 13 | 21 | First National Bank | 44.2% | 2,304 |
| 2022 | $1.27B | 13 | 23 | First National Bank | 41.0% | 2,140 |
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.