AMERICAN BANK OF THE CAROLINAS

MONROE, NC | Small | Est. May 20, 2019, midnight | FDIC #59157 | RSSD #5230790 | FDIC
Latest Report: 2025-12-31

AMERICAN BANK OF THE CAROLINAS is asn small FDIC-insured commercial bank headquartered in MONROE, NC, established in May 20, 2019, midnight. As of 2025-12-31, the bank reported total assets of $212M and total deposits of $183M. Profitability stands at 1.55% ROA and 13.02% ROE, with a net interest margin of 5.37%. The bank's CET1 capital ratio is 11.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59157.

Assets

$212M

Deposits

$183M

Loans

$153M

Equity

$25M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 13.02%
Net Interest Margin (NIM) 5.37%
Yield on Assets 6.92%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 11.73%
Tier 1 Capital 11.73%
Total Capital Ratio 12.31%
Leverage Ratio 12.44%
Loan-to-Deposit 83.65%

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