FDIC Cert #16723 · Lamar, South Carolina · Est. 1936

Carolina Bank & Trust Co. - FDIC Bank Health Profile

A community-scale look at Carolina Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$886M
Total assets
A
Health grade · Excellent
1.51%
Return on assets
19.9%
Tier 1 capital

Data updated July 2026

The verdict

Carolina Bank & Trust Co. earns a PlainBankData health grade of A (100/100), with well-capitalized at 19.91% Tier 1, profitable at 1.51% ROA, efficient (49% cost ratio).

#1,161
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
19.91%
Tier 1 ratio - above the 10% well-capitalized line
75th
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 16723 · SC A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #43/4307
  • PHOTO-FINISH The Peoples State Bank · KS
  • TIER1-WELL 19.9% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-STRONG 1.51% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: The Peoples State Bank, KS (±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 Carolina Bank & Trust Co.

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

Carolina Bank & Trus… · SC ·…100/100Community 1st Bank L… · NM ·…100/100First American Bank… · GA · …100/100First State Bank of… · TX · …100/100Morgan Stanley Bank,… · UT ·…100/100The Peoples State Bank · KS …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Carolina Bank & Trust Co. · July 2026

Call Report read for Carolina Bank & Trust Co. in a high-failure state

Carolina Bank & Trust Co. (FDIC Cert #16723) carries a PlainBankData health grade of A at 100/100, 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 #43 of 4,307. Tier 1 capital prints at 19.91%, clearing the 10% well-capitalized line. The Texas Ratio is 1.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.51%. Balance-sheet scale is $886M, 1,161st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Peoples State Bank (KS), 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 Carolina Bank & Trust Co.

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Carolina Bank & Trust Co. sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Carolina Bank & Trust Co.'s current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

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

How Carolina Bank & Trust Co.'s 100/100 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 avg77/100100/100
Carolina Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (19.91%) 40/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (1.82%) 20/20
Efficiency Ratio (48.74%) 15/15

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

Balance sheet at a glance

Total Assets

$886M

Total balance-sheet footings

Total Deposits

$774M

Customer-funded liabilities

Net Loans

$580M

Outstanding loan book

Net Income

$12M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.51% 19.91% 21.31%
Basel III capital ratios - Carolina Bank & Trust Co.

Where Carolina Bank & Trust Co. ranks

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

Carolina Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Carolina Bank & Trust Co. 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

Carolina Bank & Trust Co.'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). Carolina Bank & Trust Co.'s $886M falls in the highlighted band.

Capital & credit buffers at Carolina Bank & Trust Co.

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
19.91%
Texas Ratio
1.82%
Equity Capital
$106M

What these ratios mean →

Earnings posture at Carolina Bank & Trust Co.

Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
12.19%
Efficiency Ratio
48.74%

What these mean →

Income & expense at Carolina Bank & Trust Co.

$43M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Carolina Bank & Trust Co. reports a Texas Ratio of 1.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Carolina Bank & Trust Co. on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($886M here), outside South Carolina so the neighborhood is not state containment.

BTG Pactual Bank $888M · NY Paragon Bank $889M · TN Blue Ridge Bank and Trust Co. $883M · MO Greenfield Banking Company $890M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Carolina Bank & Trust Co. (FDIC Cert #16723) - 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.

Carolina Bank & Trust Co. Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%