Total Assets
$212M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$183M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.31%
Return on Equity (ROE)
11.32%
Efficiency Ratio
63.07%
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. It holds $212M in total assets - 2,938th of 4,313 FDIC-insured banks, $183M in customer deposits, and $151M in net loans. On safety, its Tier 1 capital ratio of 12.44% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within North Carolina, American Bank of the Carolinas ranks 29th of 38 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in North Carolina by total assets
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.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is American Bank of the Carolinas's health grade?▼
American Bank of the Carolinas receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is American Bank of the Carolinas?▼
American Bank of the Carolinas holds $212M in total assets and $183M in deposits, ranking 2,938th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monroe, North Carolina.
Is my money safe at American Bank of the Carolinas?▼
Yes, deposits at American Bank of the Carolinas (Certificate #59157) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank of the Carolinas's Tier 1 Capital Ratio?▼
American Bank of the Carolinas has a Tier 1 Capital Ratio of 12.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Bank of the Carolinas?▼
American Bank of the Carolinas has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read American Bank of the Carolinas's profile as a depositor or analyst.
- American Bank of the Carolinas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank of the Carolinas against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.