Carolina Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carolina Bank & Trust Company of Lamar, SC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.04% | 1.34% | +0.70% | 86th top |
| ROAE | 15.63% | 13.32% | +2.31% | 69th above |
| Net Interest Margin | 4.25% | 3.93% | +0.32% | 67th above |
| Efficiency Ratio | 41.62% | 61.15% | -19.53% | 94th top |
| PPNR / Avg Assets | 2.65% | 1.68% | +0.97% | 92nd top |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 46th below |
| Cost of Funds | 1.44% | 1.88% | -0.44% | 72nd above |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 0.94% | -0.12% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) | 163.84% | 1547.36% | -1383.52% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.21% | 7.34% | -3.13% | 45th below |
| Provision / NCO | 101.52% | 1396.47% | -1294.95% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.14% | 19.48% | +0.66% | 78th top |
| Tier 1 Ratio | 20.14% | 19.52% | +0.62% | 78th top |
| Total Capital Ratio | 21.40% | 20.60% | +0.80% | 78th top |
| Leverage Ratio | 13.51% | 12.14% | +1.37% | 78th top |
| Equity / Assets | 13.06% | 11.36% | +1.70% | 79th top |
| TCE / Tangible Assets | 13.06% | 11.08% | +1.98% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.42% | 80.66% | +2.76% | 44th below |
| Core Deposit Ratio | 94.86% | 86.84% | +8.02% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.84% | 6.84% | -2.00% | 53rd above |
| Loan Growth (Y/Y) | 3.40% | 7.92% | -4.52% | 39th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.10% | 6.29% | -2.19% | 50th above |
See Carolina Bank & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carolina Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carolina Bank & Trust Company profile, how to read a UBPR, or how this data updates.