| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Carter Bank & Trust | Bank | 2 | $146.2M | 28.00% |
| 2 | First National Bank | Bank | 3 | $118.9M | 22.77% |
| 3 | Atlantic Union Bank | Bank | 2 | $112.2M | 21.48% |
| 4 | First-Citizens Bank & Trust Company | Bank | 2 | $68.0M | 13.01% |
| 5 | Truist Bank | Bank | 1 | $50.0M | 9.58% |
| 6 | Urw Community Federal Credit Union | Credit union | 1 | $26.9M* | 5.16% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $522.3M | 6 | 11 | Carter Bank & Trust | 28.0% | 2,052 |
| 2025 | $500.0M | 6 | 11 | Carter Bank & Trust | 29.9% | 2,128 |
| 2024 | $480.6M | 6 | 11 | Carter Bank & Trust | 31.0% | 2,164 |
| 2023 | $480.3M | 6 | 11 | Carter Bank & Trust | 30.3% | 2,160 |
| 2022 | $531.2M | 6 | 11 | Carter Bank & Trust | 29.8% | 2,231 |
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.