Fayetteville-Lumberton-Pinehurst, NC holds $10.1 billion in deposits across 15 insured institutions and 112 branches, ranking #93 of 293 U.S. markets by economic output. Truist Bank is the largest deposit holder at 25.5% share. The top three institutions hold 58.4% of deposits, which places the market in the moderate band. Deposits have grown 14% since 2020 while the branch count fell by 18.
Deposit trend
Branches: 130 in 2020 to 112 in 2025. Institutions: 16 to 15. Top-three share: 57.4% to 58.4%. Deposits per branch: $90M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Truist Bank | 2.6B | 25.5% | -12% |
| First Bank | 2.0B | 20.2% | +64% |
| First-Citizens Bank & Trust Company | 1.3B | 12.8% | +42% |
| Wells Fargo Bank | 1.0B | 9.7% | +4% |
| Bank of America | 0.9B | 8.9% | +6% |
| PNC Bank | 0.6B | 6.3% | -3% |
| Lumbee Guaranty Bank | 0.5B | 4.6% | +43% |
| The Fidelity Bank | 0.4B | 3.5% | +55% |
| United Bank | 0.3B | 2.5% | +68% |
| First National Bank of Pennsylvania | 0.2B | 1.8% | +29% |
The 10 largest of 15 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Cumberland County | North Carolina | $18,999M | 338,473 | 59.4% |
| Moore County | North Carolina | $4,459M | 110,619 | 13.9% |
| Robeson County | North Carolina | $3,930M | 119,941 | 12.3% |
| Richmond County | North Carolina | $2,046M | 42,041 | 6.4% |
| Hoke County | North Carolina | $1,310M | 56,939 | 4.1% |
| Scotland County | North Carolina | $1,234M | 33,322 | 3.9% |
Recruiting in Fayetteville
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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 this one, on a retained basis.
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