BANK OF CHARLOTTE COUNTY, THE

PHENIX, VA | Small | Est. Nov. 12, 1912, midnight | FDIC #14491 | RSSD #667524 | FED
Latest Report: 2025-12-31

BANK OF CHARLOTTE COUNTY, THE is asn small FDIC-insured commercial bank headquartered in PHENIX, VA, established in Nov. 12, 1912, midnight. As of 2025-12-31, the bank reported total assets of $228M and total deposits of $204M. Profitability stands at 1.18% ROA and 11.05% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 16.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 6.32%. FDIC Certificate #14491.

Assets

$228M

Deposits

$204M

Loans

$143M

Equity

$23M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 11.05%
Net Interest Margin (NIM) 4.72%
Yield on Assets 5.81%
Cost of Funds 1.12%

Asset Quality

NPL Ratio 0.95%
Net Charge-Off Ratio 0.06%
Texas Ratio 6.32%
NPA Ratio 0.69%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 16.87%
Tier 1 Capital 16.87%
Total Capital Ratio 17.97%
Leverage Ratio 10.99%
Loan-to-Deposit 70.33%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required