American Bank of the Carolinas
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Data as of · sourced from FFIEC call reports. How we update
American Bank of the Carolinas is an FDIC-insured commercial bank headquartered in Monroe, NC, supervised by the FDIC, with $214.0M in total assets at Q2 2026, up 8.0% from Q2 2025, the 28th largest of 38 banks headquartered in North Carolina. It was established in 2019 and holds FDIC certificate 59157. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59157
- Headquarters
- Monroe, NC
- Established
- 2019
- Total assets, Q2 2026
- $214.0M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Domestic offices
- 3 · American Bank of the Carolinas branches FDIC institution directory, current count
- Routing number
- 053112932
- Safety and soundness
- Is American Bank of the Carolinas safe?
- Latest call report
- Q2 2026, FFIEC 051 · American Bank of the Carolinas Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 28th of 38 in North Carolina
American Bank of the Carolinas, based in Monroe, North Carolina, reported $214 million in assets at June 30, 2026, up 8.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also grew its loan book 17.8% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $824,000, 36% above the same quarter a year earlier. Over the same year, loans grew 17.8% and deposits grew 7.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, American Bank of the Carolinas reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, American Bank of the Carolinas is the 28th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 11.8% to $214.0M, loans rose 6.5% and deposits fell 13.7%. 1-4 family residential loans made up 29.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.1%. The FDIC Summary of Deposits lists 3 offices for it, in Monroe, NC, Marshville, NC and Indian Trail, NC; its Monroe office books 67% of its branch deposits. Judged on its Q2 2026 call report, American Bank of the Carolinas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 312 N Charlotte Ave, Monroe, NC 28112
- County
- Union
- Metro Area
- Charlotte-Concord-Gastonia, NC-SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 20, 2019
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $183.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $228.2M
- Average total loans
- $163.8M
- Average interest-bearing deposits
- $148.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 20, 2019
- FDIC Cert
- 59157
- Fed RSSD
- 5230790
- Website
- www.abc-nc.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Bank of the Carolinas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Bank of the Carolinas's total assets ranged from $153.0M (Q3 2023) to $242.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$214.0M total assets against $198.2M; $187.7M total liabilities against $174.9M.
$166.6M net loans and leases against $141.4M; $183.8M total deposits against $170.8M.
$31.2M securities against $32.4M; $10.6M cash and balances due against $18.5M.
$3.3M total interest income against $2.9M; $710K total interest expense against $713K.
$2.6M net interest income against $2.2M.
$123K total noninterest income against $119K; $1.6M total noninterest expense against $1.5M.
$99K provision for credit losses against -$7K.
$824K net income against $605K.
1.44% return on assets against 1.27%; 4.79% net interest margin against 4.71%.
12.27% tier 1 leverage ratio against 13.12%.
Inside the full American Bank of the Carolinas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Bank of the Carolinas rankings
Its closest position to the top of a national ranking is 1,435 of 3,611, for ROA; its furthest is 3,523 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.99% (Q4 2024) to 1.51% (Q4 2025) and its net interest margin ran from 4.41% (Q4 2024) to 5.01% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 1.44% | 0.00% | 0.00% | 4.79% |
| Q1 2026 | 12.22% | 1.43% | 0.00% | 0.00% | 4.59% |
| Q4 2025 | 12.44% | 1.51% | 0.00% | 0.00% | 5.01% |
| Q3 2025 | 12.90% | 1.43% | 0.00% | 0.00% | 4.80% |
| Q2 2025 | 13.12% | 1.27% | 0.00% | 0.00% | 4.71% |
| Q1 2025 | 13.09% | 1.08% | 0.00% | 0.00% | 4.51% |
| Q4 2024 | 12.67% | 0.99% | 0.00% | 0.00% | 4.41% |
| Q3 2024 | 12.93% | 1.08% | 0.00% | 0.00% | 4.50% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Bank of the Carolinas (main office) | Monroe , NC | 28112 | $122.4M |
| Marshville Branch | Marshville , NC | 28103 | $33.6M |
| Indian Trail Branch | Indian Trail , NC | 28079 | $27.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NC, rank 54 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $306K approved, $306K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Bank of the Carolinas
What are American Bank of the Carolinas's total assets?
As of the Q2 2026 filing, American Bank of the Carolinas reported total assets of $214.0 million in its FFIEC call report.
Where is American Bank of the Carolinas headquartered?
It is headquartered in Monroe, NC, United States.
When was American Bank of the Carolinas founded?
It was established in 2019, per the FDIC institution directory.
Is American Bank of the Carolinas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank of the Carolinas?
American Bank of the Carolinas's primary federal regulator is the FDIC.
How many branches does American Bank of the Carolinas operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank of the Carolinas's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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