Largest banks headquartered in North Carolina
North Carolina is home to 3 of the largest US banks by assets. The biggest is Bank of America with $2.67T in total assets. The table below lists each one with its capital ratio, Texas Ratio and BankGrade grade from the Q1 2026 (call report dated March 31, 2026) FDIC call report. A bank's HQ state does not limit where it operates — many serve customers nationwide.
Source: FDIC BankFind Suite API. Data as of June 2026.
| # | Bank | City | Total assets | Capital ratio | Texas Ratio | Grade |
|---|---|---|---|---|---|---|
| 1 | Bank of America | Charlotte | $2.67T | 9.0% | 3.89% | B |
| 2 | Truist Bank | Charlotte | $541.2B | 11.7% | 3.66% | B |
| 3 | First-Citizens Bank & Trust Company | Raleigh | $235.5B | 10.0% | 7.12% | C |
Source: FDIC BankFind Suite API, Q1 2026 (call report dated March 31, 2026). Data as of June 2026.
Each bank links to its full page from the bank index: Bank of America · Truist Bank · First-Citizens Bank & Trust Company.
Frequently asked questions
What is the largest bank headquartered in North Carolina?
Bank of America is the largest bank headquartered in North Carolina among the biggest US banks, with $2.67T in total assets on its Q1 2026 (call report dated March 31, 2026) FDIC call report. North Carolina is home to 3 of the largest US banks by assets.
Does a bank's headquarters state affect where it operates?
No. A bank's headquarters state, shown on FDIC records, is where it is chartered and domiciled — it does not limit where it takes deposits or lends. Many banks headquartered in states like Delaware, South Dakota or Utah serve customers across the entire country. FDIC deposit insurance applies the same way wherever the bank is based.
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Last updated: 2026-06-20