Carolina Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 13.8% in Q2 2026, from -$2.6M to -$3.0M. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Carolina Bank & Trust Company is 7th of 30 on CET1 ratio, 20.14% as of Q2 2026, above the middle of the field. Carolina Bank & Trust Company reported 20.14% on CET1 ratio for Q2 2026, 5.07 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.14% |
| Tier 1 risk-based capital ratio | 20.14% |
| Total risk-based capital ratio | 21.40% |
| Tier 1 leverage ratio | 13.51% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $113.3M |
| Tier 1 capital | $113.3M |
| Total risk-based capital | $120.3M |
| Total equity capital | $110.3M |
| Risk-weighted assets | $562.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.06% |
| Tangible equity to tangible assets | 13.06% |
| Equity capital to average assets | 13.16% |
| Internal capital growth rate | 6.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $970K |
| Common stock surplus | $12.0M |
| Retained earnings | $100.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.59% | 18.59% | 19.84% | 12.59% | $496.3M |
| Q4 2023 | 18.27% | 18.27% | 19.52% | 12.77% | $512.2M |
| Q1 2024 | 18.04% | 18.04% | 19.29% | 12.81% | $532.7M |
| Q2 2024 | 17.82% | 17.82% | 19.07% | 13.25% | $544.2M |
| Q3 2024 | 17.60% | 17.60% | 18.85% | 13.25% | $557.3M |
| Q4 2024 | 18.15% | 18.15% | 19.41% | 13.05% | $550.5M |
| Q1 2025 | 18.84% | 18.84% | 20.09% | 13.12% | $544.4M |
| Q2 2025 | 19.19% | 19.19% | 20.45% | 13.26% | $540.0M |
| Q3 2025 | 19.76% | 19.76% | 21.01% | 12.82% | $535.5M |
| Q4 2025 | 19.91% | 19.91% | 21.17% | 12.58% | $541.8M |
| Q1 2026 | 20.23% | 20.23% | 21.48% | 12.95% | $551.0M |
| Q2 2026 | 20.14% | 20.14% | 21.40% | 13.51% | $562.4M |
Carolina Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carolina Bank & Trust Company, freeSource: Call Report Schedule RC-R, 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 Carolina Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16723) · FFIEC NIC profile (RSSD 355120)