BanksFIRST CAROLINA BANK

FIRST CAROLINA BANK

ROCKY MOUNT, NCLargeEst. Nov. 29, 2000, midnightFDIC #35530RSSD #2963266FDIC
Latest · 2025-12-31

FIRST CAROLINA BANK is an 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%. CET1 capital ratio: 11.21%, well above regulatory minimums. NPL ratio: 0.81% · Texas Ratio: 5.06%. Operates 9 domestic branches.

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 Margin3.40%
Yield on Assets6.17%
Cost of Funds2.89%

Asset Quality

NPL Ratio0.81%
Net Charge-Off Ratio0.11%
Texas Ratio5.06%
NPA Ratio0.65%
ACL / Loans0.79%

Capital & Liquidity

CET1 Ratio11.21%
Tier 1 Capital11.21%
Total Capital Ratio12.06%
Leverage Ratio9.68%
Loan-to-Deposit94.54%

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