First Carolina Bank
Rocky Mount, NC · Owner: First Carolina Finl Services
$3.4B
total assets, June 30, 2026
$3.4B
total assets, June 30, 2026
First Carolina Bank is a state nonmember bank based in Rocky Mount, NC, owned by First Carolina Finl Services. As of June 30, 2026 it held $3.4 billion in assets and $2.9 billion in deposits; assets were up 0.6% from a year before. It has 9 branches in 4 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$3.4B
+0.6% in a year · -0.4% in a quarter
Deposits
$2.9B
-2.6% in a year · -3.4% in a quarter
Loans
$2.7B
+1.7% in a year · +2.2% in a quarter
Profit so far
$13.1M
Jan 1 to Jun 30, 2026 · +12.9% in a year
Capital ratio
11.36%
+1.26 pts in a year
Return on assets
0.78%
+0.05 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 171 N Winstead Ave, Rocky Mount, NC, 27804
- County
- Nash
- Holding company
- First Carolina Finl Services
- Established
- Nov 29, 2000
- Employees
- 272
- Branches
- 9 in 4 states
- Website
- www.firstcarolinabank.com
- Id
- b35530
Quarter by quarter
December 31, 2000 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
9 offices as of June 30, 2026, holding $2.9 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| North Carolina | 5 | $2.5B | 88.6% |
| Virginia | 1 | $194M | 6.8% |
| Georgia | 1 | $108M | 3.8% |
| South Carolina | 2 | $24.1M | 0.8% |
| Largest branches | Place | Deposits |
|---|---|---|
| Raleigh Branch | Raleigh, NC | $1.3B |
| First Carolina Bank (main office) | Rocky Mount, NC | $926M |
| Va Beach Branch | Virginia Beach, VA | $194M |
| Wilmington Branch | Wilmington, NC | $160M |
| Atlanta Branch | Atlanta, GA | $108M |
| Reidsville Branch | Reidsville, NC | $70.5M |
| Cary Branch | Cary, NC | $56.9M |
| Columbia Branch | Columbia, SC | $17.2M |
| Greenville, Sc Branch | Greenville, SC | $6.9M |
Related pages
Questions and answers
How big is First Carolina Bank?
$3.4 billion in total assets and $2.9 billion in deposits as of June 30, 2026, with assets up 0.6% from a year before. Its loans were $2.7 billion.
How many branches does First Carolina Bank have?
9 branches in 4 states as of June 30, 2026. The most deposits are in North Carolina ($2.5 billion).
Is First Carolina Bank profitable?
Yes: it earned $13.1 million from January 1 to June 30, 2026 (up 12.9% from the same months a year before). Its return on assets was 0.78% a year; about 1% is typical.
Who owns First Carolina Bank?
First Carolina Bank is owned by First Carolina Finl Services, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.