FDIC Cert #59157 · Monroe, North Carolina · Est. 2019

American Bank of the Carolinas - FDIC Bank Health Profile

A community-scale look at American Bank of the Carolinas's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$212M
Total assets
A
Health grade · Excellent
1.31%
Return on assets
12.4%
Tier 1 capital

Data updated July 2026

The verdict

American Bank of the Carolinas earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.44% Tier 1, profitable at 1.31% ROA, 63% efficiency ratio.

#2,938
largest of 4,313 FDIC banks by assets
32nd
percentile by asset size, nationally
12.44%
Tier 1 ratio - above the 10% well-capitalized line
65th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 59157 · NC A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1669/4307
  • PHOTO-FINISH Parkside Financial B… · MO
  • TIER1-WELL 12.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.31% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Parkside Financial Bank & Trust, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Bank of the Carolinas

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank of the… · NC ·…83/100Commencement Bank · WA · near83/100First FarmBank · CO · near83/100Gateway Commercial B… · AZ ·…83/100Parkside Financial B… · MO ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Bank of the Carolinas · July 2026

What American Bank of the Carolinas's Call Report plate shows

American Bank of the Carolinas (FDIC Cert #59157) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,669 of 4,307. Tier 1 capital prints at 12.44%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.31%. Balance-sheet scale is $212M, 2,938th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Parkside Financial Bank & Trust (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Bank of the Carolinas

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

American Bank of the Carolinas's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American Bank of the Carolinas remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How American Bank of the Carolinas's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
American Bank of the Carolinas's composite health score
Tier 1 Capital Ratio (12.44%) 35/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (63.07%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$212M

Total balance-sheet footings

Total Deposits

$183M

Customer-funded liabilities

Net Loans

$151M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.04% 12.44% 13.84%
Basel III capital ratios - American Bank of the Carolinas

Where American Bank of the Carolinas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank of the Carolinas's score of 83/100 falls in the highlighted band.

American Bank of the Carolinas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 39% higher than 61% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. American Bank of the Carolinas 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Bank of the Carolinas's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank of the Carolinas's $212M falls in the highlighted band.

Safety ratios for American Bank of the Carolinas

Tier 1 capital ratio
Well-capitalized 10%

12.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.44%
Texas Ratio
0.00%
Equity Capital
$25M

What these ratios mean →

Earnings posture at American Bank of the Carolinas

Return on Assets (ROA)
65th percentile nationally
1.31%
Return on Equity (ROE)
11.32%
Efficiency Ratio
63.07%

What these mean →

Income & expense at American Bank of the Carolinas

$12M
Interest Income
$554K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank of the Carolinas reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Bank of the Carolinas on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($212M here), outside North Carolina so the neighborhood is not state containment.

First National Bank of Lake Jackson $212M · TX Farmers Savings Bank & Trust $213M · IA Iron Workers Savings Bank $212M · PA The Kansas State Bank $212M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank of the Carolinas (FDIC Cert #59157) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

American Bank of the Carolinas Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%