Carter Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carter Bank & Trust of Martinsville, VA against its peer group of 931 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 | 0.19% | 1.44% | -1.25% | 4th bottom |
| ROAE | 1.85% | 12.52% | -10.67% | 4th bottom |
| Net Interest Margin | 3.39% | 3.84% | -0.45% | 30th below |
| Efficiency Ratio | 62.70% | 58.87% | +3.83% | 37th below |
| PPNR / Avg Assets | 1.33% | 1.78% | -0.45% | 29th below |
| Yield on Earning Assets | 5.20% | 5.71% | -0.51% | 30th below |
| Cost of Funds | 2.01% | 2.03% | -0.02% | 50th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.07% | 3.18% | -0.11% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.96% | +0.56% | 18th bottom |
| NPA / Total Assets | 1.25% | 0.75% | +0.50% | 17th bottom |
| NCO / Avg Loans | -0.07% | 0.31% | -0.38% | 98th top |
| ACL / Total Loans | 1.48% | 1.25% | +0.23% | 85th top |
| ACL / NPLs (Coverage) | 97.37% | 699.51% | -602.14% | 28th below |
| Texas Ratio | 10.09% | 7.16% | +2.93% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.34% | 17.41% | -3.07% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.34% | 17.45% | -3.11% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.60% | 18.50% | -2.90% | 65th above |
| Leverage Ratio | 11.73% | 11.60% | +0.13% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.30% | 11.33% | -0.03% | 65th above |
| TCE / Tangible Assets | 11.26% | 10.65% | +0.61% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.98% | 86.35% | +2.63% | 48th below |
| Core Deposit Ratio | 88.53% | 85.55% | +2.98% | 50th above |
| Uninsured Deposit Ratio | 17.71% | 32.73% | -15.02% | 88th top |
| Wholesale Funding Ratio | 0.22% | 5.46% | -5.24% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.35% | 10.47% | -10.12% | 18th bottom |
| Loan Growth (Y/Y) | -0.33% | 8.00% | -8.33% | 16th bottom |
| Deposit Growth (Y/Y) | -0.76% | 7.99% | -8.75% | 15th bottom |
See Carter Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carter Bank & Trust, 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 Carter Bank & Trust profile, how to read a UBPR, or how this data updates.