BanksCAROLINA BANK & TRUST COMPANY

CAROLINA BANK & TRUST COMPANY

LAMAR, SCMediumEst. March 3, 1936, midnightFDIC #16723RSSD #355120FDIC
Latest · 2025-12-31

CAROLINA BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 19.91%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 1.79%. Operates 14 domestic branches.

Assets
$886M
Deposits
$774M
Loans
$588M
Equity
$106M

Profitability

Return on Assets (ROA)1.48%
Return on Equity (ROE)12.14%
Net Interest Margin4.30%
Yield on Assets5.76%
Cost of Funds1.55%

Asset Quality

NPL Ratio0.35%
Net Charge-Off Ratio0.33%
Texas Ratio1.79%
NPA Ratio0.23%
ACL / Loans1.39%

Capital & Liquidity

CET1 Ratio19.91%
Tier 1 Capital19.91%
Total Capital Ratio21.17%
Leverage Ratio12.58%
Loan-to-Deposit75.99%

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