US Bank Directory
Banks in Southern Pines, NC
8 FDIC-insured banks operate 11 offices in Southern Pines, North Carolina, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Southern Pines
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 10 banks and credit unions operate 13 locations in Southern Pines, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Southern Pines
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Bank has the most locations in Southern Pines, with 4. The other 7 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
First Bank Bank · 4
First Bank has 4 branches in Southern Pines, 102 across North Carolina and 116 nationwide. FDIC records list its main office in Southern Pines, NC and show it operating since 1934. With $13.03 billion in total assets on June 30, 2026, it ranks No. 138 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Southern Pines location is the 048 Pinecrest Plaza at 10205 Us 15 501 Hwy, dating to 1922; the newest, at 205 Se Broad St, to 2017. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office205 Se Broad St, 28387
-
050 Belle Meade Branch100 Waters Dr, 28387
-
048 Pinecrest Plaza10205 Us 15 501 Hwy, 28387
-
Corporate Office205 Se Broad St, 28387
Bank of America Bank · 1
Bank of America has 1 branch in Southern Pines, 109 across North Carolina and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 105 W Morganton Rd dates to 1974 in FDIC branch records. Its published hours do not list Saturday.
-
Southern Pines Branch105 W Morganton Rd, 28387
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Southern Pines, 196 across North Carolina and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 148 N Saylor St dates to 1975 in FDIC branch records. Its published hours do not list Saturday.
-
Southern Pines Branch148 N Saylor St, 28387
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
First Horizon Bank · 1
First Horizon has 1 branch in Southern Pines, 81 across North Carolina and 416 nationwide. FDIC records list its main office in Memphis, TN and show it operating since 1864. With $84.12 billion in total assets on June 30, 2026, it ranks No. 38 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 495 Pinehurst Ave dates to 1987 in FDIC branch records. Its published hours do not list Saturday.
-
Southern Pines Branch495 Pinehurst Ave, 28387
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026
FNB Bank · 1
FNB has 1 branch in Southern Pines, 97 across North Carolina and 361 nationwide. FDIC records list its main office in Greenville, PA and show it operating since 1864. With $50.80 billion in total assets on June 30, 2026, it ranks No. 50 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 185 W Morganton Rd dates to 2000 in FDIC branch records. Its published hours do not list Saturday.
-
Southern Pines Branch185 W Morganton Rd, 28387
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: FNB branch locator (All The Places), checked Oct 10, 2026
Fort Bragg Credit Union Credit union · 1
Fort Bragg Credit Union has 1 office in Southern Pines, 5 across North Carolina. It is based in Fayetteville, NC and $682.8 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Southern Pines Branch107 Brucewood Rd, 28387
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Southern Pines, 286 across North Carolina. It is based in Raleigh, NC and $59.76 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Southern Pines10955 Us 15-501 Hwy, 28387
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The Fidelity Bank Bank · 1
The Fidelity Bank has 1 branch in Southern Pines, 54 across North Carolina and 55 nationwide. FDIC records list its main office in Fuquay Varina, NC and show it operating since 1909. With $4.66 billion in total assets on June 30, 2026, it ranks No. 301 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 985 Old Us Hwy 1 dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Southern Pines Branch985 Old Us Hwy 1, 28387
Truist Bank · 1
Truist has 1 branch in Southern Pines, 277 across North Carolina and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Southern Pines Branch at 200 Sw Broad St dates to 1962 in FDIC branch records. Its published hours do not list Saturday.
-
Southern Pines Branch200 Sw Broad St, 28387
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Southern Pines, 219 across North Carolina and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Southern Pines 15-501 Branch at 10796 S Us Highway 15 501 dates to 1988 in FDIC branch records. It opens on Saturday.
-
Southern Pines 15-501 Branch10796 S Us Highway 15 501, 28387
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Southern Pines
2 credit unions have 2 offices here: State Employees' Credit Union and Fort Bragg Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Southern Pines page has every office in the state's directory.
Banking in Southern Pines: the local picture
Short answer: 8 banks run 11 branches in Southern Pines according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 8 banks, 1 has its main office in Southern Pines, 4 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is First Horizon, operating since 1864 according to the FDIC. In FDIC branch records, the longest-running branch is First Bank's office at 10205 Us 15 501 Hwy, dating to 1922; the newest is The Fidelity Bank's at 985 Old Us Hwy 1, from 2022.
2 credit unions have 2 offices in Southern Pines, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 2 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Southern Pines
Short answer: 2 of the 8 Southern Pines locations with published hours open on Saturday, run by 2 institutions.
- Wells Fargo: 1 of 1 branch (10796 S Us Highway 15 501: Saturday 9 am to 2 pm)
- Fort Bragg Credit Union: 1 of 1 office (107 Brucewood Rd: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 5 of the 13 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Southern Pines, and where the nearest one is if they do not.
Short answer: In Southern Pines: Wells Fargo (1), Bank of America (1), Truist (1). No branches in Southern Pines: Chase (nearest in Pittsboro, 42 mi), PNC Bank (nearest in Pinehurst, 3 mi), U.S. Bank (nearest in Charlotte, 76 mi), Fifth Third Bank (nearest in Apex, 49 mi), Huntington (nearest in Raleigh, 63 mi), Regions Bank (nearest in Raleigh, 61 mi), TD Bank (nearest in Raleigh, 64 mi), BMO.
| Bank | In Southern Pines | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Pittsboro, 42 miles away |
| PNC Bank | None | Pinehurst, 3 miles away |
| U.S. Bank | None | Charlotte, 76 miles away |
| Fifth Third Bank | None | Apex, 49 miles away |
| Huntington | None | Raleigh, 63 miles away |
| Regions Bank | None | Raleigh, 61 miles away |
| TD Bank | None | Raleigh, 64 miles away |
| BMO | None | none in North Carolina |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Southern Pines to the nearest branch in North Carolina.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Southern Pines residents like anyone else.
Banks near Southern Pines
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Aberdeen (2 miles) and Pinehurst (4 miles). Sanford, 24 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Aberdeen, NC | 2 mi | 2 | 2 |
| Banks in Pinehurst, NC | 4 mi | 6 | 7 |
| Banks in Carthage, NC | 12 mi | 2 | 2 |
| Banks in Raeford, NC | 17 mi | 4 | 4 |
| Banks in Robbins, NC | 21 mi | 2 | 2 |
| Banks in Sanford, NC | 24 mi | 10 | 13 |
| Banks in Spring Lake, NC | 24 mi | 4 | 5 |
| Banks in Biscoe, NC | 25 mi | 2 | 2 |
Bank branch openings and closings in Southern Pines
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Southern Pines between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Southern Pines
Short answer: 1 institution has its main office in Southern Pines: First Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Bank | Bank | $13.03 billion | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Southern Pines by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Southern Pines offices.
Short answer: Bank of America is the largest bank with offices in Southern Pines, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. 1 of the 8 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| First Horizon | $84.12 billion | No. 38 | 1 | Memphis, TN |
| FNB | $50.80 billion | No. 50 | 1 | Greenville, PA |
| First Bank | $13.03 billion | No. 138 | 4 | Southern Pines, NC |
| The Fidelity Bank | $4.66 billion | No. 301 | 1 | Fuquay Varina, NC |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Southern Pines: FAQ
How many banks are in Southern Pines, NC?
Southern Pines has 8 banks with 11 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Southern Pines?
First Bank, with 4. Bank of America has 1 and Wells Fargo has 1.
Is there a First Bank in Southern Pines, NC?
Yes. FDIC data lists 4 First Bank branches in Southern Pines as of September 5, 2026, the main office at 205 Se Broad St. Its branches are listed under First Bank above, with the address and directions for each.
Is there a Bank of America in Southern Pines, NC?
Yes. FDIC data lists 1 Bank of America branch in Southern Pines as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Southern Pines, NC?
Yes. FDIC data lists 1 Wells Fargo branch in Southern Pines as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Chase in Southern Pines, NC?
No. FDIC data lists no Chase branch in Southern Pines as of September 5, 2026. The nearest is in Pittsboro, about 42 miles away in a straight line.
Which banks in Southern Pines are open on Saturday?
Wells Fargo and Fort Bragg Credit Union publish Saturday hours for one or more Southern Pines locations. The Saturday section above lists each one with its hours. 5 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Southern Pines?
First Bank has its main office in Southern Pines, according to the FDIC.
What is the oldest bank in Southern Pines?
First Horizon has the longest record among banks with a branch here: the FDIC shows it operating since 1864.
Which credit unions can I join in Southern Pines?
State Employees' Credit Union and Fort Bragg Credit Union have offices in Southern Pines. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Southern Pines in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Southern Pines?
Nearby cities with more banks include Aberdeen, Pinehurst, Carthage. Aberdeen is 2 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (6 of 11 branches: Bank of America, FNB, First Citizens Bank, First Horizon, Truist, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds