Harnett County, North Carolina, a core county of the Raleigh-Durham-Cary, NC market, holds $1.4B in deposits across 9 insured institutions and 18 branches. Truist Bank is the largest deposit holder at 26.9% share. The top three institutions hold 71.7% of deposits, which places the county in the concentrated band. Deposits have grown 16.8% since 2020 while the branch count fell by 5. It produces $3.0B of output, ranking #769 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 23 in 2020 to 18 in 2025. Institutions: 9 to 9. Top-three share: 64.6% to 71.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Truist Bank | $380M | 26.9% | +5% |
| First Bank | $379M | 26.8% | +141% |
| First-Citizens Bank & Trust Company | $256M | 18.0% | +24% |
| First Federal Bank | $159M | 11.2% | +40% |
| PNC Bank, National Association | $87M | 6.1% | +29% |
| The Fidelity Bank | $78M | 5.5% | +21% |
| The First Bank and Trust Company | $38M | 2.7% | no 2020 presence |
| KS Bank, Inc. | $35M | 2.5% | no 2020 presence |
| Woodforest National Bank | $4M | 0.3% | +63% |
The 9 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Raleigh-Durham-Cary market
Harnett County is one of 10 counties that make up the Raleigh-Durham-Cary, NC market, a Combined Statistical Area (ranked #29 of 293 U.S. markets by economic output). It produces 1.7% of the market’s output and holds 1.2% of its deposits.
| Measure | Harnett County | Share of Raleigh-Durham-Cary market |
|---|---|---|
| 2024 GDP | $3.0B | 1.7% |
| Deposits | $1.4B | 1.2% |
| Population | 150,137 | 6.0% |
View the full Raleigh-Durham-Cary market profile →
Recruiting in Harnett 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 Harnett County, on a retained basis.
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