Campbell County, Virginia, a core county of the Lynchburg, VA market, holds $1.2B in deposits across 11 insured institutions and 18 branches. First National Bank is the largest deposit holder at 46.7% share. The top three banks hold 68% of deposits, which places the county in the Concentrated band. Deposits have fallen 5.8% since 2021 while the branch count fell by 14.3%. It produced $3.1B of real gross domestic product in 2024, ranking #754 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: 21 in 2021 to 18 in 2026. Institutions: 11 to 11. Top-three share: 67% to 68%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First National Bank | $546M | 46.7% | +13% |
| Wells Fargo Bank | $148M | 12.6% | -12% |
| First-Citizens Bank & Trust Company | $97M | 8.3% | +8% |
| Bank of the James | $95M | 8.1% | +74% |
| Carter Bank & Trust | $81M | 6.9% | -27% |
| Truist Bank | $61M | 5.2% | -65% |
| The Bank of Charlotte County | $51M | 4.4% | +30% |
| The Farmers Bank of Appomattox | $43M | 3.7% | +21% |
| United Bank | $31M | 2.6% | -12% |
| The National Bank of Blacksburg | $11M | 0.9% | no 2021 presence |
| Woodforest National Bank | $7M | 0.6% | +22% |
The 11 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 Lynchburg market
Campbell County is one of 5 counties that make up the Lynchburg, VA market, a Metropolitan Statistical Area (ranked #186 of 293 U.S. markets by economic output). It produces 28.4% of the market’s output and holds 18.9% of its deposits.
| Measure | Campbell County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.1B | 28.4% |
| Deposits | $1.2B | 18.9% |
| Population | 55,629 | 20.7% |
View the full Lynchburg market profile →
Recruiting in Campbell 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 Campbell County.
See how we help banks recruit commercial banking talent