Fayetteville-Lumberton-Pinehurst, NC, a Combined Statistical Area, holds $10.3 billion in deposits across 16 insured institutions and 112 branches, and ranks #93 of 293 U.S. markets by economic output. Truist Bank is the largest deposit holder at 25.3% share. The top three banks hold 58% of deposits, which places the market in the Moderate band.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 128 in 2021 to 112 in 2026. Institutions: 16 to 16. Top-three share: 59% to 58%. Average deposits per branch: $92M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Truist Bank | $2.6B | 25.3% | -24% |
| First Bank | $2.1B | 20.2% | +25% |
| First-Citizens Bank & Trust Company | $1.3B | 12.4% | +15% |
| Wells Fargo Bank | $1.0B | 9.9% | 0% |
| Bank of America | $867M | 8.4% | -8% |
| PNC Bank | $635M | 6.2% | -11% |
| Lumbee Guaranty Bank | $490M | 4.8% | +22% |
| The Fidelity Bank | $396M | 3.9% | +43% |
| United Bank | $274M | 2.7% | +74% |
| First National Bank of Pennsylvania | $171M | 1.7% | +15% |
| First Horizon Bank | $150M | 1.5% | -25% |
| TowneBank | $135M | 1.3% | no 2021 presence |
| First Capital Bank | $100M | 1.0% | +215% |
| The Citizens Bank | $34M | 0.3% | no 2021 presence |
| FSNB | $23M | 0.2% | -7% |
| Woodforest National Bank | $23M | 0.2% | +16% |
The 16 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Cumberland County | North Carolina | $19.0B | 338,473 | 59.4% | 47.0% |
| Moore County | North Carolina | $4.5B | 110,619 | 13.9% | 28.2% |
| Robeson County | North Carolina | $3.9B | 119,941 | 12.3% | 14.2% |
| Richmond County | North Carolina | $2.0B | 42,041 | 6.4% | 4.8% |
| Hoke County | North Carolina | $1.3B | 56,939 | 4.1% | 1.7% |
| Scotland County | North Carolina | $1.2B | 33,322 | 3.9% | 4.2% |
Recruiting in the Fayetteville-Lumberton-Pinehurst market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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.
See how we help banks recruit commercial banking talent