CAROLINA BANK & TRUST COMPANY

LAMAR, SC | Medium | Est. March 3, 1936, midnight | FDIC #16723 | RSSD #355120 | FDIC
Latest Report: 2025-12-31

CAROLINA BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in LAMAR, SC, established in March 3, 1936, midnight. As of 2025-12-31, the bank reported total assets of $886M and total deposits of $774M. Profitability stands at 1.48% ROA and 12.14% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 19.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 1.79%. FDIC Certificate #16723.

Assets

$886M

Deposits

$774M

Loans

$588M

Equity

$106M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 12.14%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.76%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.33%
Texas Ratio 1.79%
NPA Ratio 0.23%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 19.91%
Tier 1 Capital 19.91%
Total Capital Ratio 21.17%
Leverage Ratio 12.58%
Loan-to-Deposit 75.99%

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