Market Intelligence

Stokes County, NC

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Stokes County, North Carolina, a core county of the Greensboro--Winston-Salem--High Point, NC market, holds $460M in deposits across 5 insured institutions and 6 branches. First-Citizens Bank & Trust Company is the largest deposit holder at 38.5% share. The top three banks hold 79% of deposits, which places the county in the Concentrated band. Deposits have grown 15.2% since 2020 while the branch count fell by 25.0%. It produces $1.4B of output, ranking #1,079 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$1.4B
#1,079 of 1,523
Population
46,126
#960 of 1,523
GDP per Capita
$29,901
#1,238 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$460M
#1,234 of 1,523
Deposits per Capita
$9,983
#1,422 of 1,523
Deposits per Branch
$77M
#963 of 1,523
Competitive structure
Insured Institutions
5
#1,219 of 1,523
Branches per 100k Pop.
13.0
#1,382 of 1,523
Median Deposits per Institution
$79M
The median deposits booked by a single institution in the county. #1,092 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
33.0%
of county deposits held by banks with $100M to $100B in assets. #1,319 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
79%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2020 to 2025)+15.2% over 5 years
$400M
2020
$433M
2021
$440M
2022
$424M
2023
$438M
2024
$460M
2025

Branches: 8 in 2020 to 6 in 2025. Institutions: 5 to 5. Top-three share: 73% to 79%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First-Citizens Bank & Trust Company$177M38.5%2+40%
First National Bank of Pennsylvania$107M23.3%1+17%
Truist Bank$79M17.1%1+21%
Wells Fargo Bank$52M11.4%1+27%
First Horizon Bank$44M9.6%1-41%

The 5 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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 Greensboro--Winston-Salem--High Point market

Stokes County is one of 10 counties that make up the Greensboro--Winston-Salem--High Point, NC market, a Combined Statistical Area (ranked #42 of 293 U.S. markets by economic output). It produces 1.5% of the market’s output and holds 1.3% of its deposits.

MeasureStokes CountyShare of parent market
2024 GDP$1.4B1.5%
Deposits$460M1.3%
Population46,1262.6%

View the full Greensboro--Winston-Salem--High Point market profile →

Recruiting in Stokes 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 Stokes County.

See how we help banks recruit commercial banking talent