BanksCARTER BANK & TRUST

CARTER BANK & TRUST

MARTINSVILLE, VALargeEst. Dec. 30, 2006, midnightFDIC #58596RSSD #3476192FED
Latest · 2025-12-31

CARTER BANK & TRUST is an 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%. CET1 capital ratio: 10.23%, well above regulatory minimums. NPL ratio: 6.29% · Texas Ratio: 52.04%. Operates 67 domestic branches.

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 Margin3.11%
Yield on Assets5.33%
Cost of Funds2.24%

Asset Quality

NPL Ratio6.29%
Net Charge-Off Ratio0.01%
Texas Ratio52.04%
NPA Ratio5.05%
ACL / Loans1.84%

Capital & Liquidity

CET1 Ratio10.23%
Tier 1 Capital10.23%
Total Capital Ratio11.49%
Leverage Ratio9.01%
Loan-to-Deposit92.11%

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