First Carolina Bank: 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 Loan-to-deposit ratio: 5.20 percentage points higher than in Q1 2026, at 95.55%. Within North Carolina, First Carolina Bank is 25th of 38 on return on assets, 0.72% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Carolina Bank sits 0.55 points lower, at 0.72% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.72% |
| Tier 1 leverage ratio | 11.36% |
| Equity capital to assets | 13.38% |
| Tangible equity to tangible assets | 11.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.23% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.23% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | 65.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 5.66% |
| Net interest margin | 3.35% |
| Efficiency ratio | 74.45% |
| Yield on earning assets | 5.91% |
| Cost of funds | 2.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.55% |
| Core deposits to total deposits | 76.86% |
| Brokered deposits to total deposits | 18.90% |
| Deposits to assets | 84.27% |
| Securities to assets | 9.55% |
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 | 11.70% | 11.70% | 12.67% | 13.13% | 0.99% |
| Q4 2023 | 11.42% | 11.42% | 12.35% | 12.47% | 0.77% |
| Q1 2024 | 11.26% | 11.26% | 12.12% | 11.56% | 0.91% |
| Q2 2024 | 11.10% | 11.10% | 11.94% | 11.85% | 0.73% |
| Q3 2024 | 11.31% | 11.31% | 12.13% | 11.56% | 0.81% |
| Q4 2024 | 13.08% | 13.08% | 13.91% | 12.85% | 0.87% |
| Q1 2025 | 10.65% | 10.65% | 11.50% | 10.27% | 0.73% |
| Q2 2025 | 10.72% | 10.72% | 11.54% | 10.10% | 0.71% |
| Q3 2025 | 10.92% | 10.92% | 11.84% | 9.23% | -0.10% |
| Q4 2025 | 11.21% | 11.21% | 12.06% | 9.68% | 0.70% |
| Q1 2026 | 11.55% | 11.55% | 12.39% | 10.04% | 0.82% |
| Q2 2026 | 12.88% | 12.88% | 13.72% | 11.36% | 0.72% |
First Carolina Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Carolina Bank, 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 First Carolina Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35530) · FFIEC NIC profile (RSSD 2963266)