First Carolina Bank is a premier community financial services institution that prides itself on doing the day-to-day things in banking extremely well. One of the safest and most efficient banks in the US as measured by credit quality, liquidity, and overall operating practices, First Carolina offers a full suite of deposit and loan products as well as treasury and wealth management services for both individual and commercial clients. Our staff operates with a service-first focus, as our local teams are readily available to assist rather than a 1-800 help line.