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

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

First Carolina Bank faces 4 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

- Credit Risk Growth: Bottom 6.7% in tier
- ROA 0.54% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 13.69% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$3.4B +5.9% YoY +3.0% QoQ	+$602.6M	$2.8B -0.1% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$2.7B +1.3% YoY +1.4% QoQ	+$698.5M	$2.0B +0.6% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$3.0B +9.4% YoY +6.1% QoQ	+$628.0M	$2.3B -0.3% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.83% +12.1% YoY +63.3% QoQ	-0.54%	1.37% +19.6% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	3.40% +1.0% YoY +1.6% QoQ	-0.41%	3.82% +6.9% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	74.75% -2.7% YoY -6.0% QoQ	+13.69%	61.06% -4.6% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	0.84% +26.6% YoY +2.1% QoQ	-0.05%	0.89% +14.1% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	89.64% -7.3% YoY -4.4% QoQ	+5.43%	84.20% +0.3% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	22.33% -12.0% YoY +11.2% QoQ	+1.04%	21.29% -2.5% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.65% -9.0% YoY +0.5% QoQ	-0.02%	0.67% +15.6% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	11.55% +8.5% YoY +3.0% QoQ	-3.61%	15.16% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.22% -26.4% YoY -82.3% QoQ	-0.04%	0.26% +1.6% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	76%

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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 (1)

Credit Risk Growth

risk

#29 of 420 • Bottom 6.7% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

191

Total Loans

size

Value: $2.66B

Peer Median: $1.96B

#191 of 884 Top 21.5% in $1B-$10B

204

Total Deposits

size

Value: $2.97B

Peer Median: $2.34B

#204 of 884 Top 23.0% in $1B-$10B

214

Total Assets

size

Value: $3.42B

Peer Median: $2.82B

#214 of 884 Top 24.1% in $1B-$10B

217

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.26%

#217 of 884 Top 24.4% in $1B-$10B

Top Weaknesses (3 metrics)

751

Efficiency Ratio

profitability

Value: 74.75%

Peer Median: 61.06%

#751 of 884 Bottom 15.2% in $1B-$10B

692

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.37%

#692 of 884 Bottom 21.8% in $1B-$10B

666

Tier 1 Capital Ratio

capital

Value: 11.55%

Peer Median: 15.16%

#666 of 884 Bottom 24.8% in $1B-$10B