Explore the banking institutions serving the Charlotte commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Charlotte, by Assets
Institutions headquartered in the Charlotte metro. Ranked by total (bank-wide) assets — not a measure of Charlotte-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Bank of America, National Association | $2654.64bn |
| 2 | Truist Bank | $548.35bn |
| 3 | Farmers & Merchants Bank | $1.00bn |
| 4 | BlueHarbor Bank | $0.63bn |
| 5 | First Federal Savings Bank of Lincolnton | $0.49bn |
| 6 | Bank of York | $0.32bn |
| 7 | American Bank of the Carolinas | $0.21bn |
| 8 | New Republic Bank | $0.18bn |
| 9 | Belmont Savings Bank, SSB | $0.16bn |
| 10 | Spratt Savings Bank | $0.15bn |
| 11 | Cedar Hill National Bank | $0.02bn |
Largest CRE Books, Headquartered in Charlotte
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | Bank of America, National Association | $55.21bn |
| 2 | Truist Bank | $33.24bn |
| 3 | Farmers & Merchants Bank | $0.33bn |
| 4 | BlueHarbor Bank | $0.21bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Charlotte, by Deposits
Institutions with at least one Charlotte branch. Ranked by deposits actually booked at a Charlotte office — real local presence, unlike the assets table above.
| # | Institution | Charlotte deposits | Charlotte branches | Largest office |
|---|---|---|---|---|
| 1 | Bank of America, National Association | $320.72bn | 48 | 97% |
| 2 | Truist Bank | $89.86bn | 66 | 92% |
| 3 | Wells Fargo Bank, National Association | $34.93bn | 68 | 65% |
| 4 | Fifth Third Bank, National Association | $5.67bn | 45 | 26% |
| 5 | First-Citizens Bank & Trust Company | $4.48bn | 35 | 14% |
| 6 | SouthState Bank, National Association | $2.53bn | 19 | 19% |
| 7 | PNC Bank, National Association | $2.28bn | 14 | 59% |
| 8 | Pinnacle Bank | $1.99bn | 11 | 30% |
| 9 | First National Bank of Pennsylvania | $1.74bn | 16 | 26% |
| 10 | JPMorgan Chase Bank, National Association | $1.16bn | 22 | 10% |
| 11 | TowneBank | $1.07bn | 3 | 74% |
| 12 | First Horizon Bank | $1.05bn | 13 | 36% |
| 13 | TD Bank, National Association | $1.02bn | 8 | 47% |
| 14 | Regions Bank | $0.99bn | 4 | 61% |
| 15 | Bank OZK | $0.92bn | 9 | 27% |
Bank of America, National Association: $312.4B of its Charlotte deposits are booked at a single Charlotte office; its other 47 Charlotte branches hold $8.3B. Truist Bank: $82.6B of its Charlotte deposits are booked at a single Charlotte office; its other 65 Charlotte branches hold $7.3B. Wells Fargo Bank, National Association: $22.7B of its Charlotte deposits are booked at a single Charlotte office; its other 67 Charlotte branches hold $12.2B. PNC Bank, National Association: $1.3B of its Charlotte deposits are booked at a single Charlotte office; its other 13 Charlotte branches hold $0.9B. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Charlotte Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Charlotte branches | Charlotte deposits |
|---|---|---|---|
| 1 | Wells Fargo Bank, National Association | 68 | $34.93bn |
| 2 | Truist Bank | 66 | $89.86bn |
| 3 | Bank of America, National Association | 48 | $320.72bn |
| 4 | Fifth Third Bank, National Association | 45 | $5.67bn |
| 5 | First-Citizens Bank & Trust Company | 35 | $4.48bn |
| 6 | Woodforest National Bank | 23 | $0.10bn |
| 7 | JPMorgan Chase Bank, National Association | 22 | $1.16bn |
| 8 | SouthState Bank, National Association | 19 | $2.53bn |
| 9 | First National Bank of Pennsylvania | 16 | $1.74bn |
| 10 | PNC Bank, National Association | 14 | $2.28bn |
| 11 | First Horizon Bank | 13 | $1.05bn |
| 12 | Farmers & Merchants Bank | 11 | $0.77bn |
| 13 | Pinnacle Bank | 11 | $1.99bn |
| 14 | Bank OZK | 9 | $0.92bn |
| 15 | First Bank | 9 | $0.51bn |
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Charlotte, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Charlotte-Concord-Gastonia MSA (FDIC MSA code 16740) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Charlotte MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Charlotte branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Charlotte presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.