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
Unfavorable gap of $5.6M · efficiency ratio beats 76% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.60% | 1.01% | 1.45% | Beats 77% | 143 / 629 | | |
| Return on Equity | 12.30% | 5.38% | 9.30% | 13.28% | Beats 69% | 194 / 629 | | |
| Net Interest Margin | 4.45% | 3.03% | 3.54% | 4.05% | Beats 88% | 73 / 629 | | |
| Efficiency Ratio | 57.66% | 58.35% | 67.79% | 79.08% | Beats 76% | 150 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.24% | 13.84% | 18.77% | Beats 36% | 404 / 629 | | |
| Total Risk-Based Capital Ratio | 12.27% | 11.58% | 14.43% | 19.66% | Beats 31% | 432 / 629 | | |
| Equity / Assets | 12.30% | 9.09% | 10.65% | 13.80% | Beats 66% | 212 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.53% | 67.24% | 80.90% | 93.48% | 72nd pctl | 164 / 594 | | |
| Loans / Assets | 78.59% | 53.31% | 67.71% | 78.15% | 76th pctl | 149 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |