| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Carter Bank & Trust | Bank | 4 | $338.3M | 20.58% |
| 2 | Truist Bank | Bank | 3 | $320.1M | 19.47% |
| 3 | Virginia Federal Credit Union | Credit union | 2 | $291.2M* | 17.71% |
| 4 | Atlantic Union Bank | Bank | 3 | $238.4M | 14.50% |
| 5 | First Horizon Bank | Bank | 2 | $140.3M | 8.54% |
| 6 | CNB Bank | Bank | 1 | $132.7M | 8.07% |
| 7 | Valleystar Credit Union | Credit union | 2 | $116.0M* | 7.06% |
| 8 | Bank of Botetourt | Bank | 1 | $36.2M | 2.20% |
| 9 | American Partners Federal Credit Union | Credit union | 1 | $30.8M* | 1.88% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.64B | 9 | 19 | Carter Bank & Trust | 20.6% | 1,523 |
| 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 | $1.23B | 10 | 18 | Carter Bank & Trust | 28.8% | 1,973 |
| 2022 | $1.26B | 9 | 17 | Carter Bank & Trust | 29.9% | 2,035 |
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.