County banking markets / NC / 37081
GuilfordNorth Carolina
FIPS 37081. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 98 counties in North Carolina’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (862) and unconcentrated on deposits (1,245).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
136 branch offices and 16 institutions in 1994; 101 and 21 in 2025. Deposits booked in the county went from $4.33B to $12.85B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Truist Bank cert 9846 | $2.74B | 21.32% | 16 | 15.84% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $2.04B | 15.89% | 14 | 13.86% |
| 3 | Bank of America, National Association cert 3510 | $1.98B | 15.40% | 10 | 9.90% |
| 4 | Pinnacle Bank cert 35583 | $1.70B | 13.26% | 10 | 9.90% |
| 5 | First-Citizens Bank & Trust Company cert 11063 | $791.4M | 6.16% | 8 | 7.92% |
| 6 | First Bank cert 15019 | $704.1M | 5.48% | 6 | 5.94% |
| 7 | Bank of Oak Ridge cert 35365 | $551.3M | 4.29% | 5 | 4.95% |
| 8 | Triad Business Bank cert 59188 | $412.9M | 3.21% | 2 | 1.98% |
| 9 | First National Bank of Pennsylvania cert 7888 | $389.2M | 3.03% | 5 | 4.95% |
| 10 | Carter Bank & Trust cert 58596 | $323.8M | 2.52% | 3 | 2.97% |
| 11 | First Horizon Bank cert 4977 | $251.8M | 1.96% | 3 | 2.97% |
| 12 | The Fidelity Bank cert 11507 | $217.8M | 1.69% | 4 | 3.96% |
| 13 | PNC Bank, National Association cert 6384 | $169.7M | 1.32% | 2 | 1.98% |
| 14 | TowneBank cert 35095 | $164.0M | 1.28% | 1 | 0.99% |
| 15 | Southern First Bank cert 35295 | $128.5M | 1.00% | 1 | 0.99% |
| 16 | Atlantic Union Bank cert 34589 | $118.5M | 0.92% | 1 | 0.99% |
| 17 | JPMorgan Chase Bank, National Association cert 628 | $55.5M | 0.43% | 2 | 1.98% |
| 18 | Piedmont Federal Savings Bank cert 27619 | $29.3M | 0.23% | 1 | 0.99% |
| 19 | Mechanics & Farmers Bank cert 12266 | $27.8M | 0.22% | 1 | 0.99% |
| 20 | Blue Ridge Bank, National Association cert 35274 | $26.7M | 0.21% | 1 | 0.99% |
| 21 | Woodforest National Bank cert 23220 | $22.5M | 0.18% | 5 | 4.95% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to North Carolina, or read the methodology for the two HHI constructions and what they cannot tell you.