Carolina Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Carolina Bank & Trust Company is an FDIC-insured commercial bank headquartered in Lamar, SC, established in 1936 (FDIC certificate 16723), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $844.6M, up 4.8% from Q2 2025, the 15th largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 20.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16723
- Headquarters
- Lamar, SC
- Established
- 1936
- Total assets, Q2 2026
- $844.6M
- Assets vs Q2 2025
- +4.8%
- CET1 ratio, Q2 2026
- 20.14%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 053207216
- Latest call report
- Q2 2026, FFIEC 051 · Carolina Bank & Trust Company call report
- Holding company
- FIRST CAROLINA BANCSHARES CORPORATION
- Asset rank in state
- 15th of 43 in South Carolina
Carolina Bank & Trust Company runs leaner than most banks of its size. The Lamar, South Carolina bank had $845 million in assets at June 30, 2026, up 4.8% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $2.04 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $4.3 million, 32% above the same quarter a year earlier. The commercial and industrial book ($108 million) is worsening: 1.49% of it is past due or on nonaccrual, up from 0.75% a year earlier.
As of June 30, 2026, Carolina Bank & Trust Company reported a CET1 capital ratio of 20.14%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.10%. The figures come from its call report filed with the FFIEC.
Carolina Bank & Trust Company ranks as the 15th largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $844.6M, loans rose 1.7% and deposits rose 1.9%. 1-4 family residential loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.1%. The FDIC Summary of Deposits lists 14 offices for it, in 10 cities in SC; its Florence 3 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, Carolina Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 112 Main St, Lamar, SC 29069
- County
- Darlington
- Metro Area
- Florence, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1936
- Former names
- Carolina Bank & Trust Co. (1971)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $727.4M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $591K
- Average total assets
- $838.4M
- Average total loans
- $602.5M
- Average interest-bearing deposits
- $527.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 16, 1948
- FDIC Cert
- 16723
- Fed RSSD
- 355120
- Website
- www.carolinabank.net →
- Parent Holding Company
- FIRST CAROLINA BANCSHARES CORPORATION (RSSD 1076525)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Carolina Bank & Trust Company's total assets ranged from $720.1M (Q3 2023) to $886.4M (Q4 2025), 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
$844.6M total assets against $805.6M; $734.3M total liabilities against $705.2M.
$598.6M net loans and leases against $578.5M; $727.4M total deposits against $698.8M.
$130.3M securities against $106.2M; $84.1M cash and balances due against $90.2M.
$11.2M total interest income against $10.5M; $2.6M total interest expense against $2.8M.
$8.6M net interest income against $7.7M.
$892K total noninterest income against $918K; $4.0M total noninterest expense against $4.2M.
$300K provision for credit losses against $300K.
$4.3M net income against $3.3M.
2.04% return on assets against 1.66%; 4.25% net interest margin against 4.10%.
20.14% CET1 capital ratio against 19.19%; 13.51% tier 1 leverage ratio against 13.26%.
Inside the full Carolina Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarolina Bank & Trust Company rankings
Its closest position to the top of a national ranking is 256 of 3,606, for efficiency ratio; its furthest is 2,221 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.33% (Q1 2025) to 2.04% (Q2 2026) and its net interest margin ran from 3.76% (Q1 2025) to 4.25% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.14% | 2.04% | 0.41% | 2.10% | 4.25% |
| Q1 2026 | 20.23% | 1.67% | 0.46% | 2.33% | 3.99% |
| Q4 2025 | 19.91% | 1.48% | 0.35% | 1.82% | 4.08% |
| Q3 2025 | 19.76% | 1.58% | 0.34% | 1.78% | 3.97% |
| Q2 2025 | 19.19% | 1.66% | 0.38% | 2.06% | 4.10% |
| Q1 2025 | 18.84% | 1.33% | 0.31% | 2.40% | 3.76% |
| Q4 2024 | 18.15% | 1.57% | 0.37% | 2.81% | 3.92% |
| Q3 2024 | 17.60% | 1.49% | 0.41% | 3.13% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Darlington Branch | Darlington , SC | 29532 | $125.5M |
| Chesterfield Branch | Chesterfield , SC | 29709 | $98.9M |
| Hartsville Branch | Hartsville , SC | 29550 | $83.6M |
| Bennettsville Branch | Bennettsville , SC | 29512 | $80.8M |
| Florence Branch | Florence , SC | 29501 | $79.1M |
| Florence Branch | Florence , SC | 29501 | $73.1M |
| Cheraw Branch | Cheraw , SC | 29520 | $42.3M |
| Quinby Branch | Quinby , SC | 29506 | $38.4M |
| Mullins Main Branch | Mullins , SC | 29574 | $37.5M |
| Carolina Bank & Trust Co. | Lamar , SC | 29069 | $31.2M |
| South Florence Branch | Florence , SC | 29505 | $24.3M |
| N Myrtle Beach Branch | North Myrtle Beach , SC | 29582 | $12.7M |
| 109 Express Lane Branch | Darlington , SC | 29532 | $0 |
| Hartsville Branch | Hartsville , SC | 29550 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)). These actions name the parent holding company, FIRST CAROLINA BANCSHARES CORPORATION, not the bank itself
- February 17, 2011, OCC (former OTS): Supervisory Agreement: First Carolina Bancshares, MHC
- Period: Most recent institution action February 17, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in SC, rank 29 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 70 loans originated, $27.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Carolina Bank & Trust Company
What are Carolina Bank & Trust Company's total assets?
As of the Q2 2026 filing, Carolina Bank & Trust Company reported total assets of $844.6 million in its FFIEC call report.
Where is Carolina Bank & Trust Company headquartered?
It is headquartered in Lamar, SC, United States.
When was Carolina Bank & Trust Company founded?
It was established in 1936, per the FDIC institution directory.
Is Carolina Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carolina Bank & Trust Company?
Carolina Bank & Trust Company's primary federal regulator is the FDIC.
What is Carolina Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Carolina Bank & Trust Company operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carolina Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.10% 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.
What was Carolina Bank & Trust Company previously called?
The charter now named Carolina Bank & Trust Company has also operated as Carolina Bank & Trust Co. (1971), per FDIC structure-change records.
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