PackageTrendsPeer
Letter portraitLegal landscape

American Bank of the Carolinas

Monroe, NC · Cert 59157

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

76

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Bank of the Carolinas

Monroe, NC · Cert 59157

State charter, non-member · FDIC · 3 branches

Q2 2026

$214.0MAssets
$168.2MLoans
$183.8MDeposits
$26.3MEquity
Loan mix
93%RE $146.4M6%C&I $10.2M1%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $134.6M27%Noninterest $49.2MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.92%Q2 ’255.72%Q2 ’26+3%+1%

Non-interest income vs. expense

3.03%Q2 ’243.02%Q2 ’252.70%Q2 ’26+0%-11%

Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #29 of 47 inst. · $0.2B of $432.7B

Executive Summary

  • Earnings: ROA of 1.45%, up 32 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.27%, down 85 bps from a year ago.
  • Funding: loans stand at 91.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+3 bps YoY

Efficiency Ratio (YTD, annualized)

57.66%-705 bps YoY

Tier 1 Leverage Ratio

12.27%-85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.24%1.31%1.40%1.45%+32 bps
Return on Equity9.97%10.70%11.32%12.60%12.65%+268 bps
Net Interest Margin4.42%4.37%4.29%4.41%4.45%+3 bps
Efficiency Ratio64.71%63.07%63.07%57.60%57.66%-705 bps
Non-Interest Burden2.78%2.66%2.61%2.44%2.47%-30 bps
Growth
Asset Growth (YoY)8.39%6.44%7.66%26.11%8.01%-39 bps
Loan Growth (YoY)14.63%23.25%19.27%14.57%17.77%+315 bps
Deposit Growth (YoY)7.57%5.79%6.08%28.46%7.63%+5 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%0.98%0.99%0.99%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.12%12.90%12.44%12.22%12.27%-85 bps
Total Risk-Based Capital13.12%12.90%12.44%12.22%12.27%-85 bps
Equity / Assets11.73%12.02%11.73%10.55%12.30%+58 bps
Liquidity & Funding
Loans / Deposits83.65%87.51%83.65%74.21%91.53%+788 bps
Liquid Assets / Assets3.19%0.19%6.36%0.26%0.36%-283 bps
CRE / Total Capitaln/a296%277%280%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Bank of the Carolinas

Monroe, NC · Cert 59157 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$214.0MAssets
$168.2MLoans
$183.8MDeposits
$26.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets (rank 432 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.51%

Rank 143 of 629

Net Interest Margin

4.45%

Rank 73 of 629

Efficiency Ratio

57.66%

Rank 150 of 629

Equity / Assets

12.30%

Rank 212 of 629

Non-interest income vs. expense

$0.5M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 76% of banks under $1B in assets
Bank 57.66%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.60%1.01%1.45%Beats 77%143 / 629
Return on Equity12.30%5.38%9.30%13.28%Beats 69%194 / 629
Net Interest Margin4.45%3.03%3.54%4.05%Beats 88%73 / 629
Efficiency Ratio57.66%58.35%67.79%79.08%Beats 76%150 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.27%11.24%13.84%18.77%Beats 36%404 / 629
Total Risk-Based Capital Ratio12.27%11.58%14.43%19.66%Beats 31%432 / 629
Equity / Assets12.30%9.09%10.65%13.80%Beats 66%212 / 629
Liquidity & Funding
Loans / Deposits91.53%67.24%80.90%93.48%72nd pctl164 / 594
Loans / Assets78.59%53.31%67.71%78.15%76th pctl149 / 629
Brokered Deposits / Depositsn/aNot reported for this institution