BlastPoint's Banking Scorecard

Carter Bank & Trust

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

Martinsville, VA

66 branches across VA · NC

884 banks in the $1B-$10B peer group nationally 24 in VA

Carter Bank & Trust has 4 strengths but faces 2 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 2.7% in tier
+ Revenue Diversifier: Top 6.3% in tier
+ Efficiency Ratio 32.78% below tier average
+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 17.24% below tier average
- Net Interest Margin 0.67% below tier average

Get updates when Carter Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$4.8B +1.8% YoY -1.1% QoQ	+$2.0B	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	85%
Total Loans ?	$3.7B +1.7% YoY -3.5% QoQ	+$1.7B	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 13.7% in tier
Total Deposits ?	$4.2B +0.8% YoY +0.6% QoQ	+$1.9B	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	Top 14.3% in tier
Return on Assets ?	7.13% +772.0% YoY +890.7% QoQ	+5.76%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	Top 0.6% in tier
Net Interest Margin ?	3.15% +14.9% YoY +8.1% QoQ	-0.67%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	28.28% -61.8% YoY -62.1% QoQ	-32.78%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Top 1.5% in tier
Delinquency Rate ?	0.65% -91.0% YoY -89.8% QoQ	-0.24%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	86.77% +0.9% YoY -4.0% QoQ	+2.56%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	4.04% +14.0% YoY +1.3% QoQ	-17.24%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	Bottom 3.4% in tier
Nonperforming Asset Ratio ?	0.57% -89.7% YoY -88.6% QoQ	-0.10%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	13.02% +20.0% YoY +27.3% QoQ	-2.14%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	1.46% +883.9% YoY +212.8% QoQ	+1.20%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	Top 1.9% in tier

Get Full Access to Carter Bank & Trust

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#7 of 221 • Top 2.7% in tier

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

Why this signature

Return on Assets: 7.13%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#15 of 221 • Top 6.3% 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: 1.46%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 7.13%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 7.13%

Peer Median: 1.37%

#6 of 884 Top 0.6% in $1B-$10B

Efficiency Ratio

profitability

Value: 28.28%

Peer Median: 61.06%

#14 of 884 Top 1.5% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.46%

Peer Median: 0.26%

#18 of 884 Top 1.9% in $1B-$10B

122

Total Loans

size

Value: $3.68B

Peer Median: $1.96B

#122 of 884 Top 13.7% in $1B-$10B

127

Total Deposits

size

Value: $4.24B

Peer Median: $2.34B

#127 of 884 Top 14.3% in $1B-$10B

137

Total Assets

size

Value: $4.78B

Peer Median: $2.82B

#137 of 884 Top 15.4% in $1B-$10B

Top Weaknesses (2 metrics)

855

Non-Interest-Bearing Deposit Share

funding

Value: 4.04%

Peer Median: 21.29%

#855 of 884 Bottom 3.4% in $1B-$10B

685

Net Interest Margin

profitability

Value: 3.15%

Peer Median: 3.82%

#685 of 884 Bottom 22.6% in $1B-$10B