| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Carter Bank & Trust | Bank | 2 | $149.5M | 29.89% |
| 2 | Atlantic Union Bank | Bank | 2 | $116.8M | 23.35% |
| 3 | First National Bank | Bank | 3 | $87.3M | 17.46% |
| 4 | First-Citizens Bank & Trust Company | Bank | 2 | $86.7M | 17.34% |
| 5 | Truist Bank | Bank | 1 | $42.4M | 8.47% |
| 6 | Urw Community Federal Credit Union | Credit union | 1 | $17.4M* | 3.49% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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 | $370.9M | 5 | 9 | Carter Bank & Trust | 39.2% | 2,750 |
| 2022 | $401.5M | 5 | 9 | Carter Bank & Trust | 39.5% | 2,858 |
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.