Carter Bank & Trust
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
$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 174).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating regionally (rank 144 of 174).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Favorable gap of $32.1M · efficiency ratio beats 98% 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 | 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 |