Carolina Bank

101 North Spring Street
Greensboro, NC 27401


General Bank Information

FDIC Insured Yes
FDIC Certificate # 34348
Date Established 1996
Assets $0.71 billion
Loans $0.52 billion
Deposits $0.60 billion
Capital $0.07 billion

Carolina Bank is an FDIC insured institution located in Greensboro, NC. It was founded in 1996 and has approximately $0.71 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Carolina Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Carolina Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks, Carolina Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.87
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 13.11
Construction and Development Loans 14.63
Commercial Real Estate 39.56
Commercial and Industrial Loans 10.72
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Carolina Bank, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carolina Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.896% 3.875% 0.25 $628 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
3.832% 3.750% 0.00 $2,500 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Carolina Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Carolina Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Carolina Bank Locations

Financial Details

Carolina Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolina Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Carolina Bank U.S. Bank Average
9.32% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Carolina Bank had $3,751,000 in non-current loans and $3,655,000 in owned real estate. To cover these potential losses it had $73,745,000 in equity and $5,688,000 in loans loss reserves. That gives it a Texas Ratio of 9.32%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Carolina Bank U.S. Bank Average
8.63% 8.58

Carolina Bank has a Return on Equity of 8.63% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Carolina Bank U.S. Bank Average
10.44% 12.11

Carolina Bank has a Capitalization of 10.44% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Carolina Bank Balance Sheet Analysis

As of December 31, 2016, Carolina Bank had assets of $705,858,000, loans of $524,202,000, and deposits of $601,607,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Carolina Bank

Branches and Savings

Is Carolina Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34348.

Why does Carolina Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Carolina Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Carolina Bank a commercial bank?


Where are Carolina Bank locations?

See branch locations nearby.

Is Carolina Bank open on Saturdays?

Is Carolina Bank open on Sundays?

What time does Carolina Bank open?

What time does Carolina Bank close?

Are Carolina Bank ATMs Open 24/7?

Do Carolina Bank ATMs accept cash deposits?

Can Carolina Bank customers use other ATMs?

Do Carolina Bank branches have notaries?

Will Carolina Bank notarize my document?

What address for Carolina Bank should I put for incoming ACH transfers?

Will the Carolina Bank branch print checks?

Do Carolina Bank checks expire?

Does Carolina Bank require US citizenship to open account?

Can Carolina Bank close my account?

Does Carolina Bank Report to credit bureaus?

Does Carolina Bank Use Equifax?

What is Carolina Bank's ACH Routing Number?

What is Carolina Bank's SWIFT code?


Does Carolina Bank offer mortgages?

Compare mortgage rates here.

Does Carolina Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carolina Bank offer personal loans?

Compare personal loan rates here.

Does Carolina Bank offer student loans?

Will Carolina Bank cash a check?

Will Carolina Bank redeem a savings bond?

Does Carolina Bank cash savings bonds?

Will Carolina Bank cash money orders?

Can Carolina Bank issue a money order?

Does Carolina Bank do currency exchange?

Background on The Bank

Who owns Carolina Bank?

How long has Carolina Bank been around?

Can Carolina Bank transfer to other banks?

Does Carolina Bank have quick pay?

Does Carolina Bank accept rolled coins?

Will Carolina Bank accept loose change?

Where is Carolina Bank headquarters?

Customer Reviews for Carolina Bank

There are currently no comments for Carolina Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →