Banks in North Carolina — Benchmarks

38 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	66.0%	38	2026Q2
Equity Capital / Total Assets	11.7%	38	2026Q2
Loan Loss Reserve / Loans	0.9%	37	2026Q2
Loans / Deposits	84.2%	37	2026Q2
Net Income (year to date)	$2.6M	38	2026Q2
Net Interest Income / Assets (annualized)	3.1%	38	2026Q2
Return on Assets (annualized)	1.1%	38	2026Q2
Return on Equity (annualized)	9.9%	38	2026Q2
Total Assets	$559.8M	38	2026Q2
Total Deposits	$490.4M	37	2026Q2
Total Loans and Leases	$411.0M	37	2026Q2

Largest institutions (2026Q2)

BANK OF AMERICA, NATIONAL ASSOCIATION $2.7T assets, NC · evidence
TRUIST BANK $548.3B assets, NC · evidence
FIRST-CITIZENS BANK & TRUST COMPANY $236.3B assets, NC · evidence
LIVE OAK BANKING COMPANY $16.0B assets, NC · evidence
FIRST BANK $13.0B assets, NC · evidence
SOUTHERN BANK AND TRUST COMPANY $5.3B assets, NC · evidence
FIDELITY BANK, THE $4.7B assets, NC · evidence
HOMETRUST BANK $4.4B assets, NC · evidence
FIRST CAROLINA BANK $3.4B assets, NC · evidence
PEOPLES BANK $1.8B assets, NC · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-nc