FIRST CAROLINA BANK

ROCKY MOUNT, NC | Large | Est. Nov. 29, 2000, midnight | FDIC #35530 | RSSD #2963266 | FDIC
Latest Report: 2025-12-31

FIRST CAROLINA BANK is aln large FDIC-insured commercial bank headquartered in ROCKY MOUNT, NC, established in Nov. 29, 2000, midnight. As of 2025-12-31, the bank reported total assets of $3.3B and total deposits of $2.8B. Profitability stands at 0.70% ROA and 5.99% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 11.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.81% and a Texas Ratio of 5.06%. FDIC Certificate #35530.

Assets

$3.3B

Deposits

$2.8B

Loans

$2.6B

Equity

$405M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 5.99%
Net Interest Margin (NIM) 3.40%
Yield on Assets 6.17%
Cost of Funds 4.44%

Asset Quality

NPL Ratio 0.81%
Net Charge-Off Ratio 0.11%
Texas Ratio 5.06%
NPA Ratio 0.65%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 11.21%
Tier 1 Capital 11.21%
Total Capital Ratio 12.06%
Leverage Ratio 9.68%
Loan-to-Deposit 94.54%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required