CARTER BANK & TRUST

MARTINSVILLE, VA | Large | Est. Dec. 30, 2006, midnight | FDIC #58596 | RSSD #3476192 | FED
Latest Report: 2025-12-31

CARTER BANK & TRUST is aln large FDIC-insured commercial bank headquartered in MARTINSVILLE, VA, established in Dec. 30, 2006, midnight. As of 2025-12-31, the bank reported total assets of $4.8B and total deposits of $4.2B. Profitability stands at 0.77% ROA and 9.25% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 10.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.29% and a Texas Ratio of 52.04%. FDIC Certificate #58596.

Assets

$4.8B

Deposits

$4.2B

Loans

$3.9B

Equity

$398M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 9.25%
Net Interest Margin (NIM) 3.11%
Yield on Assets 5.33%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 6.29%
Net Charge-Off Ratio 0.01%
Texas Ratio 52.04%
NPA Ratio 5.05%
ACL / Loans 1.84%

Capital & Liquidity

CET1 Ratio 10.23%
Tier 1 Capital 10.23%
Total Capital Ratio 11.49%
Leverage Ratio 9.01%
Loan-to-Deposit 92.11%

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