BlastPoint's Banking Scorecard

Carter Bank & Trust

$1B-$10B Specialty: Commercial VA FDIC cert 58596

Martinsville, VA

66 branches across VA · NC

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 23 in VA.
Deposits -0.8% year over year ($4.2B on the books).
Delinquency rate 1.02%.
Return on assets 3.66%.
Efficiency ratio 38.54% vs a 59.73% peer average.
Loan-to-deposit ratio 87.67% 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 23 in VA

View $1B-$10B leaderboard (VA) →

Carter Bank & Trust has 3 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 4.0% in tier
+ Revenue Diversifier: Top 7.2% in tier
+ Efficiency Ratio 21.19% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 16.70% below tier average
- Net Interest Margin 0.54% below tier average
- Delinquency Rate 0.15% above tier average

Get updates when Carter Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$4.8B +0.4% YoY +0.4% QoQ	+$2.0B	$2.8B -0.6% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Top 14.8% in tier
Total Loans ?	$3.7B +0.1% YoY +0.1% QoQ	+$1.7B	$2.0B -0.3% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Top 13.2% in tier
Total Deposits ?	$4.2B -0.8% YoY -0.9% QoQ	+$1.9B	$2.3B -0.5% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	Top 13.4% in tier
Return on Assets ?	3.66% +358.1% YoY -48.6% QoQ	+2.27%	1.39% +17.0% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Top 1.6% in tier
Net Interest Margin ?	3.33% +17.8% YoY +5.5% QoQ	-0.54%	3.87% +6.2% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	38.54% -48.7% YoY +36.3% QoQ	-21.19%	59.73% -12.6% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Top 6.1% in tier
Delinquency Rate ?	1.02% -85.0% YoY +56.5% QoQ	+0.15%	0.87% +11.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	87.67% +0.9% YoY +1.0% QoQ	+2.63%	85.04% -0.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	4.57% +19.0% YoY +13.1% QoQ	-16.70%	21.27% -1.5% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	Bottom 3.8% in tier
Nonperforming Asset Ratio ?	0.85% -83.8% YoY +48.7% QoQ	+0.18%	0.67% +11.7% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	14.34% +35.1% YoY +10.1% QoQ	-0.50%	14.84% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	1.54% +515.7% YoY +5.7% QoQ	+1.01%	0.53% +2.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 4.1% in tier

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	4.6% +0.7pp YoY +0.5pp QoQ	-16.8pp	21.4%	26.2%	22.2%	3%
Brokered Deposits	4.3% -0.3pp YoY -0.2pp QoQ	-5.1pp	9.5%	8.5%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	4.7% -0.8pp YoY +0.3pp QoQ	-9.3pp	14.0%	11.0%	12.5%	16%
CRE	71.5% +1.0pp YoY -0.3pp QoQ	+21.5pp	50.0%	46.9%	41.4%	90%
1-4 Family	22.1% -0.4pp YoY 0.0pp QoQ	-4.3pp	26.4%	32.6%	31.3%	47%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.7%	8.0%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	14.3% +3.7pp YoY +1.3pp QoQ	-1.3pp	15.6%	17.2%	19.7%	63%
Leverage Ratio	11.7% +2.5pp YoY +1.0pp QoQ	+0.4pp	11.3%	12.2%	12.6%	73%
Total Capital Ratio	15.6% +3.7pp YoY +1.3pp QoQ	-1.1pp	16.7%	18.3%	20.8%	64%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	709 +27 (+4.0%) YoY +16 (+2.3%) QoQ	+395	313	1,956	482	93%
Assets per Employee ($)	$6.8M -3.5% YoY -1.9% QoQ	-$3.7M	$10.5M	$9.9M	$8.8M	21%
Branch Count	66 -1 (-1.5%) YoY 0 QoQ	+46	20	28	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	1.0% -5.8pp YoY +0.4pp QoQ	+0.2pp	0.8%	0.7%	1.0%	74%
Allowance Coverage	1.47x +418.2% YoY -32.9% QoQ	-17.24x	18.71x	9.47x	20.23x	38%
Net Charge-off Rate (YTD)	-0.8% -0.8pp YoY +0.7pp QoQ	-1.1pp	0.3%	0.2%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	37.1% +27.4pp YoY -40.7pp QoQ	+24.5pp	12.6%	12.0%	11.6%	99%
Cost of Funds (YTD)	2.0% -0.4pp YoY -0.1pp QoQ	0.0pp	1.9%	1.7%	1.7%	54%
Net Income ($, YTD)	$88.0M +367.2% YoY — QoQ	+$68.7M	$19.2M	$137.1M	$40.4M	98%

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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 (2)

Profitability Leader

growth

#10 of 222 • Top 4.0% in tier

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

Why this signature

Return on Assets: 3.66%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#17 of 222 • Top 7.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.54%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 3.66%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

Return on Assets

profitability

Value: 3.66%

Peer Median: 1.39%

#15 of 885 Top 1.6% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.54%

Peer Median: 0.53%

#37 of 885 Top 4.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 38.54%

Peer Median: 59.73%

#55 of 885 Top 6.1% in $1B-$10B

118

Total Loans

size

Value: $3.68B

Peer Median: $1.96B

#118 of 885 Top 13.2% in $1B-$10B

120

Total Deposits

size

Value: $4.20B

Peer Median: $2.32B

#120 of 885 Top 13.4% in $1B-$10B

132

Total Assets

size

Value: $4.80B

Peer Median: $2.79B

#132 of 885 Top 14.8% in $1B-$10B

Top Weaknesses (1 metrics)

852

Non-Interest-Bearing Deposit Share

funding

Value: 4.57%

Peer Median: 21.27%

#852 of 885 Bottom 3.8% in $1B-$10B