Surry County, North Carolina, a core county of the Greensboro--Winston-Salem--High Point, NC market, holds $1.6B in deposits across 11 insured institutions and 20 branches. First Community Bank is the largest deposit holder at 22.1% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have fallen 3.1% since 2021 while the branch count fell by 9.1%. It produced $2.7B of real gross domestic product in 2024, ranking #816 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: 22 in 2021 to 20 in 2026. Institutions: 10 to 11. Top-three share: 62% to 59%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Community Bank | $346M | 22.1% | -12% |
| Truist Bank | $323M | 20.6% | -25% |
| Wells Fargo Bank | $249M | 15.9% | +9% |
| First National Bank of Pennsylvania | $173M | 11.0% | +65% |
| First-Citizens Bank & Trust Company | $163M | 10.4% | +10% |
| First Horizon Bank | $123M | 7.8% | -33% |
| PNC Bank | $73M | 4.6% | -11% |
| Carter Bank & Trust | $70M | 4.5% | +79% |
| BlueHarbor Bank | $24M | 1.6% | no 2021 presence |
| The First Bank and Trust Company | $17M | 1.1% | no 2021 presence |
| Woodforest National Bank | $5M | 0.3% | +44% |
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 Greensboro--Winston-Salem--High Point market
Surry 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 3.0% of the market’s output and holds 4.3% of its deposits.
| Measure | Surry County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.7B | 3.0% |
| Deposits | $1.6B | 4.3% |
| Population | 72,287 | 4.1% |
View the full Greensboro--Winston-Salem--High Point market profile →
Recruiting in Surry 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 Surry County.
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