Carter Bank & Trust
Martinsville, VA · Cert 58596 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Carter Bankshares Inc.
State charter, Fed member · FED · 66 branches
Q2 2026
$4.8BAssets
$3.7BLoans
$4.2BDeposits
$541.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets operating regionally (rank 2 of 178).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating regionally (rank 148 of 178).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.67%
Rank 2 of 178
Net Interest Margin
3.11%
Rank 148 of 178
Efficiency Ratio
38.63%
Rank 6 of 178
Equity / Assets
11.30%
Rank 58 of 178
Non-interest income vs. expense
Favorable gap of $32.1M · efficiency ratio beats 97% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.67% | 0.91% | 1.25% | 1.53% | Beats 99% | 2 / 178 | |
| Return on Equity | 32.47% | 9.18% | 11.89% | 14.44% | Beats 99% | 2 / 178 | |
| Net Interest Margin | 3.11% | 3.22% | 3.56% | 3.91% | Beats 17% | 148 / 178 | |
| Efficiency Ratio | 38.63% | 52.04% | 58.90% | 67.10% | Beats 97% | 6 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.29% | 0.60% | 1.26% | Beats 31% | 124 / 178 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 74% | 48 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 11.19% | 12.72% | 14.14% | Beats 76% | 42 / 178 | |
| Total Risk-Based Capital Ratio | 15.60% | 11.91% | 13.63% | 15.33% | Beats 78% | 40 / 178 | |
| Equity / Assets | 11.30% | 9.12% | 10.35% | 11.80% | Beats 67% | 58 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 88.98% | 80.94% | 89.92% | 97.12% | 45th pctl | 98 / 178 | |
| Loans / Assets | 77.86% | 69.25% | 75.52% | 80.96% | 60th pctl | 71 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |