Total Assets
$886M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Carolina Bank & Trust Co. — FDIC Bank Health Profile
Lamar, South Carolina · Est. 1936. 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 #16723 Atlanta Region
A
Health grade
Excellent
Score: 80/100
Basel III capital ratios — Carolina Bank & Trust Co.
Total Deposits
$774M
Customer-funded liabilities
Net Loans
$580M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
19.91% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
19.91%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$106M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.51%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.19%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
48.74%
Income & Expense Breakdown
$43M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense
FDIC Deposit Insurance
Carolina Bank & Trust Co. is FDIC-insured (Certificate #16723). 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 Carolina Bank & Trust Co.
Carolina Bank & Trust Co. is an FDIC-insured institution (Certificate #16723) headquartered in Lamar, South Carolina, established in 1936. The bank currently holds $886M in total assets and $774M in customer deposits, with $580M 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, Carolina Bank & Trust Co. reports a Tier 1 Capital Ratio of 19.91% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $106M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.51% and a Return on Equity of 12.19%, with an Efficiency Ratio of 48.74% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of A (80/100), 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 Carolina Bank & Trust Co. 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 South Carolina by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Carolina Bank & Trust Co. (FDIC Cert #16723) — 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 South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community Bank Greenville | $27.9B | B | 1.19% |
| Southern First Bank Greenville | $4.4B | C | 0.75% |
| Coastal States Bank Hilton Head Island | $2.3B | B | 1.17% |
| Anderson Brothers Bank Mullins | $2.2B | C | 1.38% |
| First Community Bank Lexington | $2.1B | C | 1.07% |
| The Conway National Bank Conway | $1.9B | B | 1.23% |
| South Atlantic Bank Myrtle Beach | $1.9B | C | 0.93% |
| Bank of Travelers Rest Travelers Rest | $1.6B | B | 1.44% |
Frequently Asked Questions
What is Carolina Bank & Trust Co.'s health grade? ▼
Carolina Bank & Trust Co. receives a health grade of A (80/100) 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 Carolina Bank & Trust Co.? ▼
Carolina Bank & Trust Co. holds $886M in total assets and $774M in deposits. It is headquartered in Lamar, South Carolina.
Is my money safe at Carolina Bank & Trust Co.? ▼
Yes. Carolina Bank & Trust Co. is FDIC-insured (Certificate #16723). 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 Carolina Bank & Trust Co.'s Tier 1 Capital Ratio? ▼
Carolina Bank & Trust Co. has a Tier 1 Capital Ratio of 19.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Carolina Bank & Trust Co.? ▼
Carolina Bank & Trust Co. has an Efficiency Ratio of 48.74%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. 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.