Total Assets
$886M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$774M
Customer-funded liabilities
Net Loans
$580M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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.
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
19.91%
Texas Ratio
1.82%
Equity Capital
$106M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
12.19%
Efficiency Ratio
48.74%
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. It holds $886M in total assets - 1,161st of 4,313 FDIC-insured banks, $774M in customer deposits, and $580M in net loans. On safety, its Tier 1 capital ratio of 19.91% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.82% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), 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 South Carolina, Carolina Bank & Trust Co. ranks 16th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in South Carolina by total assets
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.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Carolina Bank & Trust Co.'s health grade?▼
Carolina Bank & Trust Co. receives a health grade of A (100/100) 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, ranking 1,161st of 4,313 FDIC-insured banks by asset size. It is headquartered in Lamar, South Carolina.
Is my money safe at Carolina Bank & Trust Co.?▼
Yes, deposits at Carolina Bank & Trust Co. (Certificate #16723) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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.
What is the Texas Ratio for Carolina Bank & Trust Co.?▼
Carolina Bank & Trust Co. has a Texas Ratio of 1.82%. 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 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.
What to do with this
How to read Carolina Bank & Trust Co.'s profile as a depositor or analyst.
- Carolina Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Carolina Bank & Trust Co. against other South Carolina banks before moving funds. South 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.