Bank call report · Monroe, NC
American Bank of the Carolinas Call Report
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American Bank of the Carolinas filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 214 reported line items, schedule by schedule (470 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 5230790 |
| FDIC certificate number | 59157 |
| Total assets | $214.0M |
Official Q2 2026 call report PDF (FFIEC) →
American Bank of the Carolinas call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · American Bank of the Carolinas balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $214.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $214.0M |
| Total Liabilities and Minority Interest | RCON2948 | $187.7M |
| Total Deposits | RCON2200 | $183.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $168.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $166.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $134.6M |
| Deposits: Noninterest-bearing | RCON6631 | $49.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $31.2M |
| Total Equity Capital | RCON3210 | $26.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $26.3M |
| Surplus | RCON3839 | $22.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.3M |
| Federal Funds Sold | RCONB987 | $4.6M |
| Other Liabilities, Total | RCON2930 | $3.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $3.1M |
| Common Stock | RCON3230 | $2.1M |
| Other Assets | RCON2160 | $2.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.7M |
| Interest-bearing Balances | RCON0071 | $769K |
Schedule RI: Income Statement (35 items)
About Schedule RI · American Bank of the Carolinas income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.6M |
| Net Interest Income | RIAD4074 | $5.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.3M |
| Total Noninterest Expense | RIAD4093 | $3.1M |
| Salaries and Employee Benefits | RIAD4135 | $2.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.8M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.6M |
| Net Income (Loss) | RIAD4340 | $1.6M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.6M |
| Total Interest Expense | RIAD4073 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $694K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $579K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $508K |
| Applicable Income Taxes | RIAD4302 | $470K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $424K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $416K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $347K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $290K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $290K |
| Total Noninterest Income | RIAD4079 | $256K |
| Provision for Loan and Lease Losses | RIAD4230 | $177K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $169K |
| Other Noninterest Income | RIADB497 | $144K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $136K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $112K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $56K |
| Interest on Other Securities | RIAD4060 | $43K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $30K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $17K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $10K |
| Other Interest Income | RIAD4518 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 31 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · American Bank of the Carolinas securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $4.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $4.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $33.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $13.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $12.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $7.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $7.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $6.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $6.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $4.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $4.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $3.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $2.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.6M |
| Pledged Securities | RCON0416 | $935K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $446K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $416K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · American Bank of the Carolinas loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $168.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $51.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $39.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $38.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $32.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $31.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $25.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $25.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $24.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $20.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $19.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $13.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $10.3M |
| Commercial and Industrial Loans | RCON1766 | $10.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $5.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $5.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $829K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $678K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $649K |
| Unearned Income on Loans | RCON2123 | $246K |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $219K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $141K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $22.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $60K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 56 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 45 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 22 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 17 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 1 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · American Bank of the Carolinas deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $95.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $92.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $87.9M |
| Total Transaction Accounts | RCON2215 | $87.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $87.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $33.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $29.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $29.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $29.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $18.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $16.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $15.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $13.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $13.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $10.7M |
| Total reciprocal deposits | RCONJH83 | $4.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $3.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $3.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $796K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $347K |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $194K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $194K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $83K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.4M |
| Operating lease liabilities | RCONLB56 | $3.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $314K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $125K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $124K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · American Bank of the Carolinas quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $228.2M |
| Quarterly Average of Total Loans | RCON3360 | $163.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $98.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $53.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $45.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $44.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $30.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $28.1M |
| Mortgage-backed Securities | RCONB559 | $25.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $15.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $11.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $6.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $4.8M |
| All Other Securities | RCONB560 | $3.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.6M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · American Bank of the Carolinas derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $25.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $4.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.2M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $939K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · American Bank of the Carolinas memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.8M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · American Bank of the Carolinas other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $226.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $183.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $98.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $84.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $27.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $702K |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $655K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,393 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 161 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 26 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · American Bank of the Carolinas regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $228.2M |
| Average total consolidated assets | RCOAKW03 | $228.2M |
| Total Assets | RCOA2170 | $214.0M |
| Unconditionally Cancellable Commitments | RCOAS540 | $28.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $28.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $28.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $28.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $26.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $24.9M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $7.8M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $7.8M |
| Retained Earnings | RCOAKW00 | $3.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1227 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0366 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $26.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $24.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $24.9M |
| Other Comprehensive Income | RIADB511 | -$168K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $13K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · American Bank of the Carolinas changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$8K |
American Bank of the Carolinas call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the American Bank of the Carolinas call report?
The American Bank of the Carolinas call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does American Bank of the Carolinas file?
American Bank of the Carolinas files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the American Bank of the Carolinas call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: American Bank of the Carolinas has Federal Reserve RSSD ID 5230790 and FDIC certificate number 59157. Either one finds its filings on the FFIEC Central Data Repository.
How often does American Bank of the Carolinas file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
American Bank of the Carolinas financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)