Bank Branches › North Carolina › Clay County
Banks in Clay County, North Carolina
Clay County has 3 bank offices, 1 fewer than its peak of 4 in 1994 (−25%). They belong to 3 banks, led by United Community Bank with 1.
3
offices, 2026
4
peak (1994)
2
no longer reported
$245M
deposits booked
Map
open (3)no longer reported (2)
The county's passbook
Bank offices reporting on June 30Deposits booked at them (nominal dollars, own scale)
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994PEAK | 4 | $63.5M | |
| Jun 30 1995 | 4 | · | $69.0M |
| Jun 30 2000 | 3 | · | $90.8M |
| Jun 30 2005 | 4 | +1 | $124M |
| Jun 30 2010 | 3 | · | $160M |
| Jun 30 2015 | 3 | · | $149M |
| Jun 30 2020 | 3 | · | $185M |
| Jun 30 2025 | 3 | · | $243M |
| Jun 30 2026NOW | 3 | · | $245M |
Open the full passbook — all 33 years ▾
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994PEAK | 4 | $63.5M | |
| Jun 30 1995 | 4 | · | $69.0M |
| Jun 30 1996 | 4 | · | $71.8M |
| Jun 30 1997 | 4 | · | $77.1M |
| Jun 30 1998 | 4 | · | $79.0M |
| Jun 30 1999 | 3 | −1 | $83.8M |
| Jun 30 2000 | 3 | · | $90.8M |
| Jun 30 2001 | 3 | · | $97.9M |
| Jun 30 2002 | 3 | · | $96.4M |
| Jun 30 2003 | 3 | · | $100M |
| Jun 30 2004 | 3 | · | $103M |
| Jun 30 2005 | 4 | +1 | $124M |
| Jun 30 2006 | 4 | · | $164M |
| Jun 30 2007 | 4 | · | $173M |
| Jun 30 2008 | 3 | −1 | $158M |
| Jun 30 2009 | 3 | · | $160M |
| Jun 30 2010 | 3 | · | $160M |
| Jun 30 2011 | 3 | · | $156M |
| Jun 30 2012 | 3 | · | $156M |
| Jun 30 2013 | 3 | · | $154M |
| Jun 30 2014 | 3 | · | $151M |
| Jun 30 2015 | 3 | · | $149M |
| Jun 30 2016 | 3 | · | $147M |
| Jun 30 2017 | 3 | · | $155M |
| Jun 30 2018 | 3 | · | $156M |
| Jun 30 2019 | 3 | · | $158M |
| Jun 30 2020 | 3 | · | $185M |
| Jun 30 2021 | 3 | · | $229M |
| Jun 30 2022 | 3 | · | $251M |
| Jun 30 2023 | 3 | · | $249M |
| Jun 30 2024 | 3 | · | $248M |
| Jun 30 2025 | 3 | · | $243M |
| Jun 30 2026NOW | 3 | · | $245M |
Banks in Clay County
| Bank | Offices | Deposits here |
|---|---|---|
| United Community Bank | 1 | $124M |
| First-Citizens Bank & Trust Company | 1 | $56.7M |
| Nantahala Bank & Trust Company | 1 | $63.7M |
Every bank office open in Clay County
| Bank | Address | Deposits |
|---|---|---|
| United Community BankHayesville Branch | 95 Hwy 64 WHayesville 28904 | $124M |
| Nantahala Bank & Trust CompanyHayesville Branch | 102 Hwy 64 EHayesville 28904 | $63.7M |
| First-Citizens Bank & Trust CompanyHayesville Main Branch | 36 Hwy 64 EHayesville 28904 | $56.7M |
Sorted by deposits booked on June 30, 2026. "Opened" is the establishment date in the FDIC record.
Offices no longer reported
Offices in Clay County that filed a report in some year from 1994 on and are missing from 2026. Most closed; some were sold to non-banks or converted. Newest departures first.
| Last bank on the sign | Address | Last report |
|---|---|---|
| United Community Bank | 230 Highway 64 East, Suite 2Hayesville 28904 | 2007 |
| First-Citizens Bank & Trust Company | 208-210 North Main StreetHayesville 28904 | 1998 |
County FIPS 37043 · 215 square miles of land (2024 Census Gazetteer).