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Bank of North Carolina. The place to be...for all the right reasons.


The early 90's were turbulent times to open a bank. From a recession to a Savings and Loan crisis, there were many challenges to overcome in selling the necessary shares and obtaining regulatory approval. However, this did not stop Bank of North Carolina.

Five Steering Committee Members, who were later named members of the Board, were determined to move forward, and they increased their own personal investments that were larger than they had originally intended. This distinguished group consisted of Groome Fulton, Bob Burleson, Lenny Peters, Lloyd Higgins, and Carl Hoffman. Dr. Peters continues to serve on our Board; Mr. Fulton, Dr. Higgins, Bob Burleson and Dr. Hoffman have since retired from the Board.

Swope Montgomery, founding President & CEO greeted the Bank’s first customers on December 3, 1991. The first employees added were Rick Callicutt, Bonnie Murdock, Dixie McAdams, Janie Kennedy, Renee Murdock, and Ann Walker. They developed a great sense of team spirit as they offered a variety of bank products and services from a double wide trailer, while our first branch was under construction in Thomasville, North Carolina.

In the fall of 1992, we moved into the first branch, and over the next few years we built additional branches in nearby communities of Archdale and Lexington.

In 2001, the Bank made its first acquisition with Independence Bank, which provided us branches in both Kernersville and Oak Ridge. Several years later, in 2006, we entered the Greensboro community through the acquisition of Sterling South Financial.

Branches were built in various communities over the next several years, and the Bank continued to grow. In 2010, we entered into the South Carolina market with the acquisition of Beach First National Bank.

The Bank became the buyer of choice, as the next few years brought additional acquisitions. From Regents Bank and Blue Ridge Savings and Trust in 2011; KeySource, Gateway, Carolina Federal, and First Trust Bank in 2012; Randolph Bank & Trust in 2013; to Home Savings Bank, Harrington National Bank, and Harbor Bank in 2014.

After more than 40 years in the financial industry, Swope Montgomery retired, and Richard D. Callicutt II was named President & Chief Executive Officer of both Bank of North Carolina and BNC Bancorp on June 11, 2013. Rick had been the driving force behind our daily banking operations and expansion efforts, and was well positioned to continue to build on these recent growth initiatives.

Much has changed from our early days; however, our commitment has stayed the same. Offer the best products and services for the communities we serve, while hiring and retaining the best employees.

While we are proud of our past, we look forward to the future.

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