Martinsville, VA · Cert 58596 · Carter Bankshares Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
52
Profitability
72
Liquidity
94
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Martinsville, VA · Cert 58596 · Carter Bankshares Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
Market Position · Roanoke, VA · 2026 SOD (annual) · 6.1% share · #6 of 17 inst. · $0.6B of $9.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.59% | 0.82% | 0.80% | 0.70% | 0.72% | 7.13% | 3.66% | +286 bps | |
| Return on Equity | 6.69% | 7.40% | 9.90% | 9.69% | 8.48% | 8.70% | 77.85% | 37.13% | +2,744 bps | |
| Net Interest Margin | 2.46% | 2.44% | 2.55% | 2.60% | 2.65% | 2.69% | 2.94% | 3.11% | +51 bps | |
| Efficiency Ratio | 78.32% | 79.08% | 74.09% | 75.08% | 73.80% | 74.58% | 28.28% | 38.54% | -3,654 bps | |
| Non-Interest Burden | 1.82% | 1.82% | 1.74% | 1.83% | 1.83% | 1.89% | -3.24% | -0.66% | -249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.66% | 3.18% | 3.12% | 5.55% | 4.92% | 3.83% | 1.81% | 0.35% | -520 bps | |
| Loan Growth (YoY) | 5.43% | 3.39% | 5.08% | 5.57% | 6.67% | 7.04% | 1.12% | -0.33% | -590 bps | |
| Deposit Growth (YoY) | 14.87% | 11.58% | 9.68% | 8.96% | 3.20% | 1.41% | 0.84% | -0.76% | -971 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 8.00% | 7.15% | 7.09% | 6.69% | 6.74% | 6.29% | 0.64% | 1.01% | -568 bps | |
| Net Charge-Offs / Loans | 0.60% | 0.45% | 0.01% | 0.01% | 0.01% | 0.01% | -1.60% | -0.83% | -85 bps | |
| Allowance / Loans | 2.25% | 2.09% | 1.99% | 1.90% | 1.92% | 1.84% | 1.41% | 1.48% | -42 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 2.2x | 1.5x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.45% | 9.42% | 9.53% | 9.25% | 9.24% | 9.01% | 10.68% | 11.73% | +248 bps | |
| Total Risk-Based Capital | 12.01% | 11.98% | 12.11% | 11.87% | 11.72% | 11.49% | 14.28% | 15.60% | +373 bps | |
| Equity / Assets | 8.31% | 8.11% | 8.40% | 8.26% | 8.36% | 8.23% | 10.09% | 11.30% | +304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.03% | 87.27% | 87.76% | 88.60% | 91.00% | 92.11% | 88.00% | 88.98% | +38 bps | |
| Liquid Assets / Assets | 1.34% | 1.97% | 0.99% | 1.09% | 1.33% | 1.41% | 4.00% | 4.84% | +376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 596% | 621% | 505% | n/a | n/a | |
Martinsville, VA · Cert 58596 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Carter Bankshares Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
Return on Assets
3.67%
Rank 2 of 174
Net Interest Margin
3.11%
Rank 144 of 174
Efficiency Ratio
38.63%
Rank 5 of 174
Equity / Assets
11.30%
Rank 57 of 174
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.67% | 0.93% | 1.27% | 1.52% | Beats 99% | 2 / 174 | ||
| Return on Equity | 32.47% | 9.26% | 11.89% | 14.41% | Beats 99% | 2 / 174 | ||
| Net Interest Margin | 3.11% | 3.22% | 3.56% | 3.91% | Beats 17% | 144 / 174 | ||
| Efficiency Ratio | 38.63% | 51.59% | 59.21% | 67.02% | Beats 98% | 5 / 174 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.29% | 0.60% | 1.18% | Beats 30% | 122 / 174 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 73% | 48 / 174 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.34% | 11.19% | 12.82% | 14.11% | Beats 76% | 41 / 174 | ||
| Total Risk-Based Capital Ratio | 15.60% | 11.81% | 13.70% | 15.33% | Beats 78% | 39 / 174 | ||
| Equity / Assets | 11.30% | 9.15% | 10.31% | 11.72% | Beats 67% | 57 / 174 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.98% | 80.93% | 90.31% | 97.12% | 46th pctl | 94 / 174 | ||
| Loans / Assets | 77.86% | 69.01% | 75.52% | 80.85% | 61st pctl | 68 / 174 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||