Carolina Bank & Trust Company
Carolina Bank & Trust Company is a locally rooted FDIC-insured community bank based in Lamar, SC. The Q1 2026 balance sheet stands at $831M in assets, including $596M in loans. Returns are notably above industry norms: 1.67% ROA, 13.45% ROE, and 3.99% NIM. Capital is comfortably above regulatory minimums — CET1 ratio of 20.23% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.82% NPL ratio. Carolina Bank & Trust Company operates a 14-branch network.
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
- Fed District
- 5
- Established
- March 3, 1936
- Branches
- 14 domestic
- Employees (FTE)
- 94
- FDIC Cert
- 16723
- Fed RSSD
- 355120
- Website
- www.carolinabank.net →
- Parent Holding Company
- FIRST CAROLINA BANCSHARES CORPORATION (RSSD 1076525)
Capital & Liquidity
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Carolina Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Carolina Bank & Trust Company
What are Carolina Bank & Trust Company's total assets?
As of the Q1 2026 filing, Carolina Bank & Trust Company reported total assets of $830.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Carolina Bank & Trust Company headquartered?
Carolina Bank & Trust Company is headquartered in LAMAR, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Carolina Bank & Trust Company founded?
Carolina Bank & Trust Company was established in 1936, per the FDIC institution directory.
Is Carolina Bank & Trust Company FDIC-insured?
Yes. Carolina Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Carolina Bank & Trust Company's CET1 capital ratio?
Carolina Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 20.23% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Carolina Bank & Trust Company operate?
Carolina Bank & Trust Company operates 14 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Carolina Bank & Trust Company's Texas Ratio?
Carolina Bank & Trust Company's Texas Ratio is 4.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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