Carolina Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.74 percentage points lower than in Q1 2026, at 163.84%. On return on assets, Carolina Bank & Trust Company ranks 2nd highest among the 44 banks headquartered in South Carolina, at 2.04% (Q2 2026). Carolina Bank & Trust Company's return on assets of 2.04% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.14% |
| Tier 1 risk-based capital ratio | 20.14% |
| Total risk-based capital ratio | 21.40% |
| Tier 1 leverage ratio | 13.51% |
| Equity capital to assets | 13.06% |
| Tangible equity to tangible assets | 13.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 4.21% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 163.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 15.63% |
| Net interest margin | 4.25% |
| Efficiency ratio | 41.62% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.42% |
| Core deposits to total deposits | 94.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.12% |
| Securities to assets | 15.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.59% | 18.59% | 19.84% | 12.59% | 1.55% |
| Q4 2023 | 18.27% | 18.27% | 19.52% | 12.77% | 1.51% |
| Q1 2024 | 18.04% | 18.04% | 19.29% | 12.81% | 1.35% |
| Q2 2024 | 17.82% | 17.82% | 19.07% | 13.25% | 1.40% |
| Q3 2024 | 17.60% | 17.60% | 18.85% | 13.25% | 1.49% |
| Q4 2024 | 18.15% | 18.15% | 19.41% | 13.05% | 1.57% |
| Q1 2025 | 18.84% | 18.84% | 20.09% | 13.12% | 1.33% |
| Q2 2025 | 19.19% | 19.19% | 20.45% | 13.26% | 1.66% |
| Q3 2025 | 19.76% | 19.76% | 21.01% | 12.82% | 1.58% |
| Q4 2025 | 19.91% | 19.91% | 21.17% | 12.58% | 1.48% |
| Q1 2026 | 20.23% | 20.23% | 21.48% | 12.95% | 1.67% |
| Q2 2026 | 20.14% | 20.14% | 21.40% | 13.51% | 2.04% |
Carolina Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carolina Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)