Carter Bank & Trust: 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.
Reserve coverage of non-performing loans dropped 24.19 percentage points in Q2 2026, from 121.56% to 97.37%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Carter Bank & Trust is 5th from the bottom among 56 Virginia banks, 0.19% (Q2 2026). Carter Bank & Trust's return on assets of 0.19% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.34% |
| Tier 1 risk-based capital ratio | 14.34% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 11.73% |
| Equity capital to assets | 11.30% |
| Tangible equity to tangible assets | 11.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.52% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 10.09% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 97.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 1.85% |
| Net interest margin | 3.39% |
| Efficiency ratio | 62.70% |
| Yield on earning assets | 5.20% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.98% |
| Core deposits to total deposits | 88.53% |
| Brokered deposits to total deposits | 4.32% |
| Deposits to assets | 87.50% |
| Securities to assets | 13.61% |
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 | 11.08% | 11.08% | 12.34% | 9.59% | 0.36% |
| Q4 2023 | 10.99% | 10.99% | 12.25% | 9.41% | -0.12% |
| Q1 2024 | 10.80% | 10.80% | 12.07% | 9.27% | 0.56% |
| Q2 2024 | 10.86% | 10.86% | 12.13% | 9.35% | 0.48% |
| Q3 2024 | 10.75% | 10.75% | 12.01% | 9.45% | 0.54% |
| Q4 2024 | 10.72% | 10.72% | 11.98% | 9.42% | 0.76% |
| Q1 2025 | 10.85% | 10.85% | 12.11% | 9.53% | 0.81% |
| Q2 2025 | 10.62% | 10.62% | 11.87% | 9.25% | 0.77% |
| Q3 2025 | 10.46% | 10.46% | 11.72% | 9.24% | 0.51% |
| Q4 2025 | 10.23% | 10.23% | 11.49% | 9.01% | 0.76% |
| Q1 2026 | 13.02% | 13.02% | 14.28% | 10.68% | 6.99% |
| Q2 2026 | 14.34% | 14.34% | 15.60% | 11.73% | 0.19% |
Carter Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carter Bank & Trust, 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 Carter Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58596) · FFIEC NIC profile (RSSD 3476192)