Lincoln County, North Carolina, a county in the Charlotte-Concord, NC-SC market, holds $1.9B in deposits across 10 insured institutions and 20 branches. First Federal Savings Bank of Lincolnton is the largest deposit holder at 20.8% share. The top three institutions hold 51.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 24.4% since 2020 while the branch count fell by 13.0%. It produces $3.6B of output, ranking #715 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: 23 in 2020 to 20 in 2025. Institutions: 10 to 10. Top-three share: 52.7% to 51.6%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Federal Savings Bank of Lincolnton | $395M | 20.8% | +15% |
| Fifth Third Bank | $296M | 15.6% | +39% |
| Peoples Bank | $289M | 15.2% | +17% |
| Bank of America | $257M | 13.5% | +20% |
| United Bank | $215M | 11.3% | +1% |
| Truist Bank | $181M | 9.5% | +26% |
| First-Citizens Bank & Trust Company | $176M | 9.2% | +61% |
| Bank OZK | $80M | 4.2% | +179% |
| Woodforest National Bank | $5M | 0.2% | +7% |
| The Fidelity Bank | $5M | 0.2% | no 2020 presence |
The 10 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. “No 2020 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
Lincoln 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 1.5% of the market’s output and holds 0.4% of its deposits.
| Measure | Lincoln County | Share of parent market |
|---|---|---|
| 2024 GDP | $3.6B | 1.5% |
| Deposits | $1.9B | 0.4% |
| Population | 98,654 | 2.8% |
View the full Charlotte-Concord market profile →
Recruiting in Lincoln County
Deposits are split among a moderate 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 Lincoln County.
See how we help banks recruit commercial banking talent