Total Assets
$212M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
American Bank of the Carolinas — FDIC Bank Health Profile
Monroe, North Carolina · Est. 2019. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #59157 Atlanta Region
F
Health grade
At Risk
Score: 28/100
Basel III capital ratios — American Bank of the Carolinas
Total Deposits
$183M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$25M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.31%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
11.32%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
63.07%
Income & Expense Breakdown
$12M
Interest Income
$554K
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
American Bank of the Carolinas is FDIC-insured (Certificate #59157). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About American Bank of the Carolinas
American Bank of the Carolinas is an FDIC-insured institution (Certificate #59157) headquartered in Monroe, North Carolina, established in 2019. The bank currently holds $212M in total assets and $183M in customer deposits, with $151M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, American Bank of the Carolinas reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $25M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.31% and a Return on Equity of 11.32%, with an Efficiency Ratio of 63.07% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (28/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at American Bank of the Carolinas is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Carolina by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data American Bank of the Carolinas (FDIC Cert #59157) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National Association Charlotte | $2.6T | B | 1.15% |
| Truist Bank Charlotte | $539.5B | C | 1.04% |
| First-Citizens Bank & Trust Company Raleigh | $229.3B | C | 1.00% |
| Live Oak Banking Company Wilmington | $15.1B | C | 0.82% |
| First Bank Southern Pines | $12.7B | C | 0.94% |
| Southern Bank and Trust Company Mount Olive | $5.2B | B | 1.19% |
| HomeTrust Bank Asheville | $4.5B | B | 1.43% |
| The Fidelity Bank Fuquay Varina | $4.4B | A | 1.74% |
Frequently Asked Questions
What is American Bank of the Carolinas's health grade? ▼
American Bank of the Carolinas receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is American Bank of the Carolinas? ▼
American Bank of the Carolinas holds $212M in total assets and $183M in deposits. It is headquartered in Monroe, North Carolina.
Is my money safe at American Bank of the Carolinas? ▼
Yes. American Bank of the Carolinas is FDIC-insured (Certificate #59157). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is American Bank of the Carolinas's Tier 1 Capital Ratio? ▼
American Bank of the Carolinas has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is American Bank of the Carolinas? ▼
American Bank of the Carolinas has an Efficiency Ratio of 63.07%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.