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American Bank of the Carolinas Locations & Branches Monroe, North Carolina
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American Bank of the Carolinas operates 3 branches from its headquarters in Monroe, NC, . Its main office is at 312 N Charlotte Ave, Monroe, NC 28112.
American Bank of the Carolinas branch network
All 3 branches are in NORTH CAROLINA, across 3 cities. Its largest office by deposits is its main office in Monroe, NC, with $122.4M (66.6% of its branch deposits). It had the same number of branches on June 30, 2025.
American Bank of the Carolinas at a glance
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.
- Total assets, Q2 2026
- $214.0M
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2019
Full financial profile · Is American Bank of the Carolinas safe? · American Bank of the Carolinas Q3 2026 call report, filed October 23, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Monroe, NC (1 branch) | 8 of 10 | 6.8% | $122.4M |
| State: NC (3 branches) | 54 of 82 | <0.1% | $183.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in North Carolina.
Share by county and metro area
American Bank of the Carolinas's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Union, NC (3 branches) | 7 of 12 | 5.5% | $183.8M | $3.35B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Charlotte-Concord-Gastonia, NC-SC (3 branches) | 29 of 47 | <0.1% | $183.8M | $432.53B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)