Carolina Bank & Trust Company
Lamar, SC · Cert 16723 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Carolina Bancshares Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
$844.6MAssets
$606.8MLoans
$727.4MDeposits
$110.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 40 of 746).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets operating in a single state (rank 633 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.87%
Rank 68 of 746
Net Interest Margin
4.04%
Rank 235 of 746
Efficiency Ratio
43.22%
Rank 40 of 746
Equity / Assets
13.06%
Rank 187 of 746
Non-interest income vs. expense
Unfavorable gap of $12.7M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.87% | 0.72% | 1.06% | 1.45% | Beats 91% | 68 / 746 | | |
| Return on Equity | 14.29% | 6.74% | 10.51% | 13.63% | Beats 79% | 153 / 746 | | |
| Net Interest Margin | 4.04% | 3.17% | 3.68% | 4.16% | Beats 68% | 235 / 746 | | |
| Efficiency Ratio | 43.22% | 55.74% | 64.58% | 75.47% | Beats 95% | 40 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.09% | 0.42% | 1.07% | Beats 51% | 367 / 743 | | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 15% | 633 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 20.14% | 11.55% | 13.75% | 17.60% | Beats 84% | 123 / 746 | | |
| Total Risk-Based Capital Ratio | 21.40% | 11.71% | 14.33% | 18.43% | Beats 84% | 121 / 746 | | |
| Equity / Assets | 13.06% | 8.90% | 10.51% | 13.06% | Beats 75% | 187 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.42% | 61.31% | 78.27% | 90.78% | 61st pctl | 289 / 746 | | |
| Loans / Assets | 71.84% | 53.60% | 66.97% | 76.08% | 62nd pctl | 284 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |