Safest Banks in North Carolina 2026
North Carolina has 36 FDIC-insured banks with an average Bank Health Score of 73/100 (B). The safest bank is Cedar Hill National Bank with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 36 Banks in North Carolina
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Cedar Hill National Bank | Charlotte | A | 100 | 96.96% | 0.00% |
| 2 | Roxboro Savings Bank SSB | Roxboro | A | 95 | 41.37% | 0.33% |
| 3 | Mechanics&Farmers Bank | Durham | A | 94 | 24.56% | 0.40% |
| 4 | Fidelity Bank | Fuquay Varina | A | 92 | 13.63% | 0.64% |
| 5 | Jackson Savings Bank SSB | Sylva | A | 90 | 53.35% | 0.41% |
| 6 | First-Citizens Bank&Trust Co | Raleigh | A | 89 | 13.67% | 0.93% |
| 7 | Southern Bank&Trust Co | Mount Olive | A | 89 | 12.49% | 0.21% |
| 8 | First FSB of Lincolnton | Lincolnton | A | 88 | 32.80% | 0.36% |
| 9 | Lifestore Bank | West Jefferson | A | 88 | 17.41% | 1.28% |
| 10 | Bank of America NA | Charlotte | A | 88 | 13.53% | 0.74% |
| 11 | Uwharrie Bank | Albemarle | A | 87 | 11.78% | 0.25% |
| 12 | First Savings&Loan Assn | Mebane | A | 86 | 53.61% | 0.23% |
| 13 | Truist Bank | Charlotte | A | 84 | 13.11% | 0.62% |
| 14 | Triad Business Bank | Greensboro | A | 83 | 12.43% | 0.00% |
| 15 | Nantahala Bank&Trust Co | Franklin | B | 79 | 9.98% | 0.28% |
| 16 | Blueharbor Bank | Mooresville | B | 77 | 13.84% | 0.01% |
| 17 | Alliance Bank&Trust Co | Gastonia | B | 74 | 10.36% | 0.23% |
| 18 | Taylorsville Sb SSB | Taylorsville | B | 73 | 14.54% | 0.67% |
| 19 | Providence Bank | Rocky Mount | B | 72 | 12.11% | 0.06% |
| 20 | Dogwood State Bank | Raleigh | B | 71 | 12.64% | 0.17% |
Bank Health Scores for North Carolina are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Cedar Hill National Bank in Charlotte is currently the safest bank in North Carolina with a score of 100/100 (Grade A).
North Carolina has 36 FDIC-insured banks with a combined $3.3T in total assets. The average Bank Health Score across the state is 73/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).