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Carolina Bank & Trust Co.

$100M-$1B Specialty: Commercial SC FDIC cert 16723

Lamar, SC

14 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +4.1% year over year ($727.4M on the books).
  • Delinquency rate 0.42%.
  • Return on assets 1.85%.
  • Efficiency ratio 43.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Carolina Bank & Trust Co. has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 42.8% in tier
  • + Efficiency Ratio 21.26% below tier average
  • + Net Interest Margin 0.18% above tier average
  • + Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.1% in tier
  • - Credit Quality Pressure: Bottom 19.6% in tier
  • - Liquidity Overhang: Bottom 33.3% in tier
Get updates when Carolina Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $844.6M
+4.8% YoY +1.7% QoQ
+$458.0M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
Top 5.8% in tier
Total Loans ? $598.6M
+3.5% YoY +1.8% QoQ
+$340.2M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
Top 6.1% in tier
Total Deposits ? $727.4M
+4.1% YoY +1.9% QoQ
+$400.7M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
Top 5.0% in tier
Return on Assets ? 1.85%
+23.5% YoY +10.0% QoQ
+0.52% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 4.17%
+4.5% YoY +2.5% QoQ
+0.18% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 43.22%
-14.0% YoY -3.6% QoQ
-21.26% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Top 6.8% in tier
Delinquency Rate ? 0.42%
+7.2% YoY -10.2% QoQ
-0.50% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 82.29%
-0.6% YoY -0.1% QoQ
+4.34% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 26.27%
-5.4% YoY -1.3% QoQ
+4.23% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.29%
+5.8% YoY -10.1% QoQ
-0.37% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 20.14%
+5.0% YoY -0.4% QoQ
+4.24% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
Top 13.2% in tier
Non-Interest Income / Assets ? 0.21%
-5.4% YoY +101.1% QoQ
-0.36% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 26.3%
-1.5pp YoY
-0.3pp QoQ
 +4.1pp 22.1% 21.7% 22.2% 71%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 18.1%
+1.4pp YoY
+1.1pp QoQ
 +6.5pp 11.6% 9.8% 12.5% 84%
CRE 49.4%
-2.1pp YoY
-1.7pp QoQ
 +9.9pp 39.5% 43.3% 41.4% 69%
1-4 Family 31.7%
+0.6pp YoY
+0.3pp QoQ
 -0.9pp 32.6% 44.4% 31.3% 55%
Consumer 1.2%
-0.3pp YoY
-0.2pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 20.1%
+0.9pp YoY
-0.1pp QoQ
 +1.3pp 18.8% 18.1% 19.7% 78%
Leverage Ratio 13.5%
+0.3pp YoY
+0.6pp QoQ
 +1.3pp 12.2% 12.3% 12.6% 78%
Total Capital Ratio 21.4%
+1.0pp YoY
-0.1pp QoQ
 +1.5pp 19.9% 19.1% 20.8% 79%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 92
-3 (-3.2%) YoY
-2 (-2.1%) QoQ
 +33 58 174 482 83%
Assets per Employee ($) $9.2M
+8.3% YoY
+3.9% QoQ
 +$1.7M $7.5M $7.8M $8.8M 81%
Branch Count 14
0 YoY
0 QoQ
 +9 4 12 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
 -0.3pp 0.3% 0.0% 0.4% 0%
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.5% 1.0% 48%
Allowance Coverage 3.29x
-11.5% YoY
+10.1% QoQ
 -20.87x 24.15x 15.59x 20.23x 61%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 14.6%
+2.7pp YoY
+1.1pp QoQ
 +2.4pp 12.2% 11.7% 11.6% 66%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 24%
Net Income ($, YTD) $7.9M
+34.5% YoY
— QoQ
 +$5.3M $2.6M $9.6M $40.4M 97%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#284 of 661 • Top 42.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.85%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk
#58 of 936 • Bottom 6.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#247 of 1256 • Bottom 19.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.42%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#248 of 742 • Bottom 33.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.14%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.29%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

134
Total Deposits
size
Value: $727.39M
Peer Median: $326.73M
#134 of 2643 Top 5.0% in $100M-$1B
155
Total Assets
size
Value: $844.59M
Peer Median: $386.57M
#155 of 2643 Top 5.8% in $100M-$1B
162
Total Loans
size
Value: $598.58M
Peer Median: $258.35M
#162 of 2643 Top 6.1% in $100M-$1B
180
Efficiency Ratio
profitability
Value: 43.22%
Peer Median: 64.48%
#180 of 2643 Top 6.8% in $100M-$1B
351
Tier 1 Capital Ratio
capital
Value: 20.14%
Peer Median: 15.91%
#351 of 2643 Top 13.2% in $100M-$1B
481
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.32%
#481 of 2643 Top 18.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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