Carolina Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Carolina Bank & Trust Company is an FDIC-insured commercial bank. Returns are notably above industry norms: 2.04% ROA, 15.63% ROE, and 4.25% NIM. Carolina Bank & Trust Company's Q2 2026 balance sheet shows $845M in assets funded primarily by $727M in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 20.14% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.82% NPL ratio. Carolina Bank & Trust Company operates a 14-branch network.
As of June 30, 2026, Carolina Bank & Trust Company reported a CET1 capital ratio of 20.14%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.82%, a Texas ratio of 4.21%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 112 Main St, Lamar, SC 29069
- County
- Darlington
- Metro Area
- Florence, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 3, 1936
- Former names
- Carolina Bank & Trust Co. (1971)
- Offices
- 14 domestic
- Employees (FTE)
- 92
- Domestic deposits
- $727.4M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $591K
- Average total assets
- $838.4M
- Average total loans
- $602.5M
- Average interest-bearing deposits
- $527.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 16, 1948
- FDIC Cert
- 16723
- Fed RSSD
- 355120
- Website
- www.carolinabank.net →
- Parent Holding Company
- FIRST CAROLINA BANCSHARES CORPORATION (RSSD 1076525)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.14% | 2.04% | 0.82% | 4.21% | 4.25% |
| Q1 2026 | 20.23% | 1.67% | 0.82% | 4.20% | 3.99% |
| Q4 2025 | 19.91% | 1.48% | 0.77% | 4.04% | 4.08% |
| Q3 2025 | 19.76% | 1.58% | 0.83% | 4.38% | 3.97% |
| Q2 2025 | 19.19% | 1.66% | 0.73% | 4.39% | 4.10% |
| Q1 2025 | 18.84% | 1.33% | 0.74% | 4.78% | 3.76% |
| Q4 2024 | 18.15% | 1.57% | 0.79% | 5.17% | 3.92% |
| Q3 2024 | 17.60% | 1.49% | 0.95% | 6.21% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Darlington Branch | Darlington , SC | 29532 | $125.5M |
| Chesterfield Branch | Chesterfield , SC | 29709 | $98.9M |
| Hartsville Branch | Hartsville , SC | 29550 | $83.6M |
| Bennettsville Branch | Bennettsville , SC | 29512 | $80.8M |
| Florence Branch | Florence , SC | 29501 | $79.1M |
| Florence Branch | Florence , SC | 29501 | $73.1M |
| Cheraw Branch | Cheraw , SC | 29520 | $42.3M |
| Quinby Branch | Quinby , SC | 29506 | $38.4M |
| Mullins Main Branch | Mullins , SC | 29574 | $37.5M |
| Carolina Bank & Trust Co. | Lamar , SC | 29069 | $31.2M |
| South Florence Branch | Florence , SC | 29505 | $24.3M |
| N Myrtle Beach Branch | North Myrtle Beach , SC | 29582 | $12.7M |
| 109 Express Lane Branch | Darlington , SC | 29532 | $0 |
| Hartsville Branch | Hartsville , SC | 29550 | $0 |
Regulatory record
What the public regulatory sources show for Carolina Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS)). These actions name the parent holding company, FIRST CAROLINA BANCSHARES CORPORATION, not the bank itself
- February 17, 2011, OCC (former OTS): Supervisory Agreement: First Carolina Bancshares, MHC
- Period: Most recent institution action February 17, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in SC, rank 29 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 92 applications, 70 loans originated, $27.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Carolina Bank & Trust Company
What are Carolina Bank & Trust Company's total assets?
As of the Q2 2026 filing, Carolina Bank & Trust Company reported total assets of $844.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Carolina Bank & Trust Company headquartered?
Carolina Bank & Trust Company is headquartered in Lamar, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Carolina Bank & Trust Company founded?
Carolina Bank & Trust Company was established in 1936, per the FDIC institution directory.
Is Carolina Bank & Trust Company FDIC-insured?
Yes. Carolina Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #16723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carolina Bank & Trust Company?
Carolina Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Carolina Bank & Trust Company's CET1 capital ratio?
Carolina Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 20.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Carolina Bank & Trust Company operate?
Carolina Bank & Trust Company operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carolina Bank & Trust Company's Texas Ratio?
Carolina Bank & Trust Company's Texas Ratio is 4.21% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Carolina Bank & Trust Company previously called?
The charter now named Carolina Bank & Trust Company has also operated as Carolina Bank & Trust Co. (1971), per FDIC structure-change records.
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