Carolina Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.41 percentage points lower than in Q1 2026, at 138.02%. Carolina Bank & Trust Company ranks 17th of 44 South Carolina banks on loan-to-deposit ratio, in the upper half at 83.42% (Q2 2026). Carolina Bank & Trust Company reported 83.42% on loan-to-deposit ratio for Q2 2026, 2.58 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $606.8M |
| Net loans and leases | $598.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.84% |
| Loan-to-deposit ratio | 83.42% |
| Net loans to equity capital | 5.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.30% |
| Multifamily (5+ residential) | 1.07% |
| Commercial and industrial | 17.86% |
| Consumer | 1.18% |
| Credit cards | 0.00% |
| Farm | 0.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.02% |
| Construction concentration (Tier 1 capital + allowance) | 31.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $9.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $520.2M | $627.8M | 45.49% | 12.89% | 1.72% |
| Q4 2023 | $538.2M | $655.6M | 45.27% | 14.00% | 1.60% |
| Q1 2024 | $568.6M | $617.0M | 44.06% | 15.98% | 1.60% |
| Q2 2024 | $582.2M | $626.9M | 43.51% | 16.25% | 1.61% |
| Q3 2024 | $594.2M | $635.6M | 43.30% | 16.16% | 1.74% |
| Q4 2024 | $582.9M | $682.5M | 44.21% | 15.29% | 1.75% |
| Q1 2025 | $587.8M | $656.3M | 43.57% | 16.23% | 1.56% |
| Q2 2025 | $586.8M | $698.8M | 43.23% | 16.45% | 1.46% |
| Q3 2025 | $582.9M | $721.3M | 42.18% | 16.52% | 1.55% |
| Q4 2025 | $588.3M | $774.3M | 41.65% | 16.64% | 1.50% |
| Q1 2026 | $596.4M | $714.1M | 43.67% | 16.75% | 1.39% |
| Q2 2026 | $606.8M | $727.4M | 41.30% | 17.86% | 1.18% |
Carolina Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carolina Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)