American Bank of the Carolinas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 17.32 percentage points higher than in Q1 2026, at 91.53%. American Bank of the Carolinas ranks 12th of 38 North Carolina banks on return on assets, in the upper half at 1.44% (Q2 2026). American Bank of the Carolinas reported 1.44% on return on assets for Q2 2026, 0.20 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.30% |
| Tangible equity to tangible assets | 12.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 12.69% |
| Net interest margin | 4.79% |
| Efficiency ratio | 57.69% |
| Yield on earning assets | 6.09% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.53% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.86% |
| Securities to assets | 14.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.37% | 1.14% | 4.46% | 0.00% | 0.00% |
| Q4 2023 | 13.89% | 1.37% | 4.61% | 0.00% | 0.00% |
| Q1 2024 | 14.02% | 2.15% | 4.52% | 0.00% | 0.00% |
| Q2 2024 | 13.29% | 1.11% | 4.56% | 0.00% | 0.00% |
| Q3 2024 | 12.93% | 1.08% | 4.50% | 0.00% | 0.00% |
| Q4 2024 | 12.67% | 0.99% | 4.41% | 0.00% | 0.00% |
| Q1 2025 | 13.09% | 1.08% | 4.51% | 0.00% | 0.00% |
| Q2 2025 | 13.12% | 1.27% | 4.71% | 0.00% | 0.00% |
| Q3 2025 | 12.90% | 1.43% | 4.80% | 0.00% | 0.00% |
| Q4 2025 | 12.44% | 1.51% | 5.01% | 0.00% | 0.00% |
| Q1 2026 | 12.22% | 1.43% | 4.59% | 0.00% | 0.00% |
| Q2 2026 | 12.27% | 1.44% | 4.79% | 0.00% | 0.00% |
American Bank of the Carolinas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of the Carolinas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Bank of the Carolinas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59157) · FFIEC NIC profile (RSSD 5230790)