Carolina Bank & Trust Company
Lamar, SC·RSSD 355120·FDIC 16723·bank:355120·Risk-based ratios where reported
- #16 of 44Total assets in South Carolina
- 14offices
- 92employees
- #1 of 41Efficiency in South Carolina
- #2 of 41Return on assets in South Carolina
- #8 of 41Net interest margin in South Carolina
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 27 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Where Carolina Bank & Trust Company differs most from peers
Efficiency ratio among the lowest of similar banksContext: Efficiency41.7%peers 60.8%-19.2 pp
Carolina Bank & Trust Company's efficiency ratio was 41.7%, compared with a median of 60.8% among 1433 similar banks: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 41.7% | 60.8% | -19.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Carolina Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Return on assets among the highest of similar banksContext: Earnings2.05%peers 1.32%+73 bps
Carolina Bank & Trust Company's annualized return on assets was 2.05%, compared with a median of 1.32% among 1434 similar banks: higher than 86% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.05% | 1.32% | +73 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Carolina Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Leverage capital ratio among the highest of similar banksContext: Capital13.51%peers 10.81%+2.7 pp
Carolina Bank & Trust Company's leverage ratio was 13.51%, compared with a median of 10.81% among 1437 similar banks: higher than 82% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 13.51% | 10.81% | +2.7 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Carolina Bank & Trust Company itself is left out of every peer median and percentile. How signals work
Key facts
- Carolina Bank & Trust Company is a bank headquartered in Lamar, South Carolina. It reported $845 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $727 million, up 4.1% from a year earlier, and loans totaled $607 million, up 3.4%.
- Its net interest margin was 4.34% and its annualized return on assets was 2.05% for the quarter.
- Its cost of all deposits was 1.44%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Carolina Bank & Trust Company's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Carolina Bank & Trust Company · Bank
- Federal Reserve RSSD
- 355120
- FDIC certificate
- 16723
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Carolina Bank & Trust Company itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $4.28M | — | |
| $11.22M | — | |
| $2.59M | — | |
| $8.63M | — | |
| $892K | — | |
| $3.96M | — | |
| $300K | — | |
| $300K | — | |
| 2.05% | 2.04%ROAQ · Quarter | |
| 4.34% | 4.33%NIMYQ · Quarter | |
| 41.65% | 41.65%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.