Caldwell County, North Carolina, a core county of the Charlotte-Concord, NC-SC market, holds $973M in deposits across 7 insured institutions and 13 branches. First-Citizens Bank & Trust Company is the largest deposit holder at 40.1% share. The top three banks hold 78% of deposits, which places the county in the Concentrated band. Deposits have grown 5.5% since 2021. It produced $2.5B of real gross domestic product in 2024, ranking #839 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 13 in 2021 to 13 in 2026. Institutions: 7 to 7. Top-three share: 79% to 78%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First-Citizens Bank & Trust Company | $390M | 40.1% | +11% |
| First Horizon Bank | $233M | 23.9% | 0% |
| Wells Fargo Bank | $132M | 13.5% | -6% |
| Truist Bank | $124M | 12.8% | +3% |
| PNC Bank | $43M | 4.4% | -13% |
| Skyline National Bank | $40M | 4.1% | +162% |
| Woodforest National Bank | $11M | 1.2% | +6% |
The 7 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Charlotte-Concord market
Caldwell County is one of 18 counties that make up the Charlotte-Concord, NC-SC market, a Combined Statistical Area (ranked #19 of 293 U.S. markets by economic output). It produces 1.0% of the market’s output and holds 0.2% of its deposits.
| Measure | Caldwell County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.5B | 1.0% |
| Deposits | $973M | 0.2% |
| Population | 81,105 | 2.3% |
View the full Charlotte-Concord market profile →
Recruiting in Caldwell County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Caldwell County.
See how we help banks recruit commercial banking talent