Bank Comparison
Dmb Community Bank vs Carolina Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 17
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 15.91% | 20.23% |
| Tier 1 Capital Ratio | 15.91% | 20.23% |
| Total Capital Ratio | 17.16% | 21.48% |
| Tier 1 Leverage Ratio | 10.72% | 12.95% |
| Equity / Assets | 10.56% | 13.10% |
Profitability
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 1.67% |
| Return on Equity (ROE) | 5.18% | 13.45% |
| Net Interest Margin (NIM) | 1.89% | 3.99% |
| Yield on Earning Assets | 4.70% | 5.30% |
| Cost of Funds | 3.14% | 1.47% |
Asset quality
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 4.20% |
| Non-Performing Loan Ratio | 0.00% | 0.82% |
| Non-Performing Asset Ratio | 0.00% | 0.59% |
| Net Charge-Off Ratio | 0.00% | 0.23% |
| ACL / Loans | 1.15% | 1.36% |
Balance sheet
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| Total Assets | $830,880K | $830,628K |
| Total Deposits | $580,196K | $714,093K |
| Total Loans | $666,809K | $596,356K |
| Total Equity | $87,736K | $108,838K |
| Net Income (quarter) | $1,135K | $3,603K |
Liquidity & funding
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 114.93% | 83.51% |
| Core Deposit Ratio | 89.36% | 94.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dmb Community Bank | Carolina Bank & Trust Company |
|---|---|---|
| Headquarters City | MADISON | LAMAR |
| Headquarters State | WI | SC |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 14 |
| Employees (FTE) | 39 | 94 |
| Established | June 29, 1922, midnight | March 3, 1936, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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