First Carolina Bank
Rocky Mount, NC · Cert 35530 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Carolina Finl Services
State charter, non-member · FDIC · 9 branches
Q2 2026
$3.4BAssets
$2.7BLoans
$2.9BDeposits
$455.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets operating regionally (rank 11 of 176).
- Widest gap: efficiency ratio trails 91% of banks $1B-$10B in assets operating regionally (rank 162 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.77%
Rank 149 of 176
Net Interest Margin
3.20%
Rank 139 of 176
Efficiency Ratio
76.66%
Rank 162 of 176
Equity / Assets
13.38%
Rank 19 of 176
Non-interest income vs. expense
Unfavorable gap of $74.9M · efficiency ratio beats 9% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.93% | 1.26% | 1.54% | Beats 15% | 149 / 176 | | |
| Return on Equity | 5.77% | 9.26% | 11.89% | 14.46% | Beats 9% | 161 / 176 | | |
| Net Interest Margin | 3.20% | 3.25% | 3.59% | 3.93% | Beats 21% | 139 / 176 | | |
| Efficiency Ratio | 76.66% | 52.79% | 59.55% | 67.66% | Beats 9% | 162 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.30% | 0.64% | 1.32% | Beats 40% | 106 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 94% | 11 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.15% | 12.72% | 14.15% | Beats 52% | 84 / 176 | | |
| Total Risk-Based Capital Ratio | 13.72% | 11.81% | 13.63% | 15.33% | Beats 52% | 84 / 176 | | |
| Equity / Assets | 13.38% | 9.16% | 10.35% | 11.80% | Beats 89% | 19 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.55% | 80.94% | 89.73% | 97.21% | 72nd pctl | 50 / 176 | | |
| Loans / Assets | 80.52% | 69.25% | 75.12% | 80.82% | 73rd pctl | 47 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |