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20th century

Some groups still pan for gold occasionally in local streams and creeks. The Reed Gold Mine operated until 1912. The Charlotte Mint was active until 1861 when Confederate forces seized it at the outbreak of the Civil War. The mint was not reopened at the war's end, but the building, albeit in a different location, now houses the Mint Museum of Art.

The city's first boom came after the Civil War, as Charlotte became a cotton processing center and railroad hub. By the 1880s, Charlotte sat astride the Southern Railway mainline from Atlanta to Washington, D.C. Farmers from miles around would bring cotton to the railroad platform in Uptown. Local promotors began building textile factories, starting with the 1881 Charlotte Cotton Mill that still stands at Graham and 5th streets.

Charlotte's city population at the 1890 census grew to 11,557.

In 1910, Charlotte surpassed Wilmington to become North Carolina's largest city with 34,014 residents.

The population grew again during World War I, when the U.S. government established Camp Greene, north of present-day Wilkinson Boulevard. The camp supported 40,000 soldiers, with many troops and suppliers staying after the war, launching urbanization that eventually overtook older cities along the Piedmont Crescent. In the 1920 census, Charlotte fell to being the state's second largest city, Winston-Salem with 48,395 people, had two thousand more people than Charlotte. Charlotte would pass Winston-Salem in population by the 1930 census, and has remained North Carolina's largest city since.

Until 1958, the Seaboard Air Line Railroad operated a daily passenger train from its own station (which had opened in 1896) to Wilmington.