| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Carter Bank & Trust | Bank | 4 | $390.2M | 23.85% |
| 2 | Truist Bank | Bank | 3 | $307.0M | 18.76% |
| 3 | Virginia Federal Credit Union | Credit union | 2 | $283.1M* | 17.30% |
| 4 | Atlantic Union Bank | Bank | 3 | $233.6M | 14.28% |
| 5 | First Horizon Bank | Bank | 2 | $145.4M | 8.89% |
| 6 | Valleystar Credit Union | Credit union | 2 | $128.6M* | 7.86% |
| 7 | CNB Bank | Bank | 1 | $101.6M | 6.21% |
| 8 | American Partners Federal Credit Union | Credit union | 1 | $24.1M* | 1.47% |
| 9 | Bank of Botetourt | Bank | 1 | $22.5M | 1.37% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.64B | 9 | 19 | Carter Bank & Trust | 23.9% | 1,607 |
| 2024 | $1.47B | 9 | 18 | Carter Bank & Trust | 25.8% | 1,686 |
| 2023 | $1.00B | 9 | 16 | Carter Bank & Trust | 35.4% | 2,452 |
| 2022 | $1.02B | 8 | 15 | Carter Bank & Trust | 37.0% | 2,548 |
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.