Carter Bank & Trust
Martinsville, VA · Cert 58596 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 176).
- Widest gap: net interest margin trails 85% of banks $1B-$10B in assets operating regionally (rank 149 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
3.67%
Rank 2 of 176
Net Interest Margin
3.11%
Rank 149 of 176
Efficiency Ratio
38.63%
Rank 6 of 176
Equity / Assets
11.30%
Rank 59 of 176
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% | 0.93% | 1.26% | 1.54% | Beats 99% | 2 / 176 | |
| Return on Equity | 32.47% | 9.26% | 11.89% | 14.46% | Beats 99% | 2 / 176 | |
| Net Interest Margin | 3.11% | 3.25% | 3.59% | 3.93% | Beats 15% | 149 / 176 | |
| Efficiency Ratio | 38.63% | 52.79% | 59.55% | 67.66% | Beats 97% | 6 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.30% | 0.64% | 1.32% | Beats 33% | 119 / 176 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 76% | 44 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 11.15% | 12.72% | 14.15% | Beats 76% | 42 / 176 | |
| Total Risk-Based Capital Ratio | 15.60% | 11.81% | 13.63% | 15.33% | Beats 78% | 39 / 176 | |
| Equity / Assets | 11.30% | 9.16% | 10.35% | 11.80% | Beats 66% | 59 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 88.98% | 80.94% | 89.73% | 97.21% | 45th pctl | 96 / 176 | |
| Loans / Assets | 77.86% | 69.25% | 75.12% | 80.82% | 61st pctl | 69 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |