BlastPoint's Banking Scorecard

First Carolina Bank

$1B-$10B Specialty: Commercial NC FDIC cert 35530

Rocky Mount, NC

9 branches across NC · SC · GA · VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
Deposits -2.6% year over year ($2.9B on the books).
Delinquency rate 0.82%.
Return on assets 0.78%.
Efficiency ratio 74.60% vs a 59.73% peer average.
Loan-to-deposit ratio 94.78% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 9 in NC

View $1B-$10B leaderboard (NC) →

First Carolina Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 16.1% in tier
- Flatlined Growth: Bottom 25.9% in tier
- Deposit Outflow: Bottom 40.5% in tier
- ROA 0.61% below tier average
- Net Interest Margin 0.48% below tier average
- Efficiency Ratio 14.88% above tier average

Get updates when First Carolina Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$3.4B +0.6% YoY -0.4% QoQ	+$612.6M	$2.8B -0.6% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$2.7B +1.7% YoY +2.1% QoQ	+$757.3M	$2.0B -0.3% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$2.9B -2.6% YoY -3.4% QoQ	+$551.4M	$2.3B -0.5% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	0.78% +7.5% YoY -6.4% QoQ	-0.61%	1.39% +17.0% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.39% +3.1% YoY -0.2% QoQ	-0.48%	3.87% +6.2% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	74.60% -4.2% YoY -0.2% QoQ	+14.88%	59.73% -12.6% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	Bottom 13.4% in tier
Delinquency Rate ?	0.82% -9.7% YoY -2.4% QoQ	-0.05%	0.87% +11.7% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	94.78% +4.4% YoY +5.7% QoQ	+9.75%	85.04% -0.1% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	20.99% +0.8% YoY -6.0% QoQ	-0.28%	21.27% -1.5% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	0.65% -26.2% YoY +0.1% QoQ	-0.02%	0.67% +11.7% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	12.88% +20.2% YoY +11.5% QoQ	-1.96%	14.84% -0.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.42% -38.2% YoY +89.3% QoQ	-0.11%	0.53% +2.5% YoY	0.43% +2.6% YoY	0.66% +5.2% YoY	72%

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 (NC)	National Avg	Tier Percentile
Noninterest-Bearing	21.0% +0.2pp YoY -1.3pp QoQ	-0.4pp	21.4%	21.8%	22.2%	56%
Brokered Deposits	18.9% -18.8pp YoY -2.8pp QoQ	+9.4pp	9.5%	7.7%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
C&I	11.5% +0.4pp YoY -0.8pp QoQ	-2.5pp	14.0%	10.5%	12.5%	52%
CRE	76.1% -2.6pp YoY +1.0pp QoQ	+26.1pp	50.0%	46.3%	41.4%	94%
1-4 Family	13.1% +2.2pp YoY -0.2pp QoQ	-13.4pp	26.4%	44.2%	31.3%	25%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	1.6%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	12.9% +2.2pp YoY +1.3pp QoQ	-2.7pp	15.6%	22.8%	19.7%	40%
Leverage Ratio	11.4% +1.3pp YoY +1.3pp QoQ	0.0pp	11.3%	14.4%	12.6%	67%
Total Capital Ratio	13.7% +2.2pp YoY +1.3pp QoQ	-3.0pp	16.7%	23.8%	20.8%	34%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	272 -40 (-12.8%) YoY +3 (+1.1%) QoQ	-42	313	5,103	482	60%
Assets per Employee ($)	$12.5M +15.4% YoY -1.5% QoQ	+$2.0M	$10.5M	$9.4M	$8.8M	81%
Branch Count	9 0 YoY 0 QoQ	-11	20	170	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.8% -0.3pp YoY 0.0pp QoQ	0.0pp	0.8%	0.7%	1.0%	67%
Allowance Coverage	0.99x +10.4% YoY +4.8% QoQ	-17.72x	18.71x	3.36x	20.23x	23%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	6.2% +0.4pp YoY -0.6pp QoQ	-6.4pp	12.6%	8.7%	11.6%	12%
Cost of Funds (YTD)	2.5% -0.2pp YoY +0.1pp QoQ	+0.6pp	1.9%	1.8%	1.7%	85%
Net Income ($, YTD)	$13.1M +12.9% YoY — QoQ	-$6.1M	$19.2M	$518.0M	$40.4M	53%

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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)

Liquidity Strain

risk

#59 of 361 • Bottom 16.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.78%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Flatlined Growth

risk

#43 of 162 • Bottom 25.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.78%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#54 of 131 • Bottom 40.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

185

Total Loans

size

Value: $2.72B

Peer Median: $1.96B

#185 of 885 Top 20.8% in $1B-$10B

215

Total Deposits

size

Value: $2.87B

Peer Median: $2.32B

#215 of 885 Top 24.2% in $1B-$10B

216

Total Assets

size

Value: $3.41B

Peer Median: $2.79B

#216 of 885 Top 24.3% in $1B-$10B

Top Weaknesses (2 metrics)

767

Efficiency Ratio

profitability

Value: 74.60%

Peer Median: 59.73%

#767 of 885 Bottom 13.4% in $1B-$10B

732

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.39%

#732 of 885 Bottom 17.4% in $1B-$10B