BlastPoint's Banking Scorecard

Carolina Bank & Trust Co.

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

Lamar, SC

14 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in 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

+ Efficiency Ratio 20.43% below tier average
+ ROA 0.41% above tier average
+ Net Interest Margin 0.14% above tier average
+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.7% in tier
- Liquidity Overhang: Bottom 30.3% in tier
- Credit Quality Pressure: Bottom 32.0% in tier

Get updates when Carolina Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$830.6M +8.9% YoY -6.3% QoQ	+$444.5M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	Top 6.9% in tier
Total Loans ?	$588.2M +1.5% YoY +1.4% QoQ	+$332.5M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	Top 6.4% in tier
Total Deposits ?	$714.1M +8.8% YoY -7.8% QoQ	+$386.1M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	Top 6.0% in tier
Return on Assets ?	1.68% +24.5% YoY +11.2% QoQ	+0.41%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.07% +4.8% YoY +0.5% QoQ	+0.14%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	44.86% -14.5% YoY -8.0% QoQ	-20.43%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Top 8.8% in tier
Delinquency Rate ?	0.46% +48.1% YoY +29.7% QoQ	-0.42%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	82.37% -6.7% YoY +9.9% QoQ	+5.74%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	26.61% +10.1% YoY -3.0% QoQ	+4.59%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.33% -3.0% YoY +40.3% QoQ	-0.31%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	20.23% +7.4% YoY +1.6% QoQ	+4.40%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Top 12.8% in tier
Non-Interest Income / Assets ?	0.10% -7.0% YoY -75.0% QoQ	-0.18%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#47 of 973 • Bottom 4.7% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Overhang

risk

#225 of 739 • Bottom 30.3% 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: 20.23%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 82.37%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#419 of 1308 • Bottom 32.0% in tier

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

Why this signature

Delinquency Rate: 0.46%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

160

Total Deposits

size

Value: $714.09M

Peer Median: $327.97M

#160 of 2664 Top 6.0% in $100M-$1B

172

Total Loans

size

Value: $588.23M

Peer Median: $255.72M

#172 of 2664 Top 6.4% in $100M-$1B

185

Total Assets

size

Value: $830.63M

Peer Median: $386.08M

#185 of 2664 Top 6.9% in $100M-$1B

236

Efficiency Ratio

profitability

Value: 44.86%

Peer Median: 65.29%

#236 of 2664 Top 8.8% in $100M-$1B

341

Tier 1 Capital Ratio

capital

Value: 20.23%

Peer Median: 15.83%

#341 of 2664 Top 12.8% in $100M-$1B

622

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#622 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available