Carolina Bank & Trust Co.

114 South Main Street
Lamar, SC 29069


General Bank Information

FDIC Insured Yes
FDIC Certificate # 16723
Date Established 1936
Assets $0.45 billion
Loans $0.31 billion
Deposits $0.39 billion
Capital $0.05 billion

Carolina Bank & Trust Co. is an FDIC insured institution located in Lamar, SC. It was founded in 1936 and has approximately $0.45 billion in assets. Customers can open an account at one of its 16 branches.

For a more detailed analysis of Carolina Bank & Trust Co.'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 & Trust Co.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in South Carolina, Carolina Bank & Trust Co. has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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 28.61
Credit Card Loans 0.00
Consumer Auto Loans 0.68
Small Business Loans 15.27
Construction and Development Loans 8.05
Commercial Real Estate 47.96
Commercial and Industrial Loans 11.30
Farm Loans 0.12

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.41% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.46% $1,000 - Learn MoreShow Less
MM 10K
0.15% $2,500 - Learn MoreShow Less
0.25% $10,000 $19,999 Learn MoreShow Less
Premium MM 25K
0.35% $20,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carolina Bank & Trust Co.

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
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
3.950% 3.950% 0.00 $0 $1,187 Learn More

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

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Carolina Bank & Trust Co. Locations

Financial Details

Carolina Bank & Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolina Bank & Trust Co.. 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 & Trust Co. U.S. Bank Average
13.27% 8.87%

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 March 31, 2017, Carolina Bank & Trust Co. had $6,273,000 in non-current loans and $1,214,000 in owned real estate. To cover these potential losses it had $52,178,000 in equity and $4,238,000 in loans loss reserves. That gives it a Texas Ratio of 13.27%. 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 & Trust Co. U.S. Bank Average
6.7% 8.39%

Carolina Bank & Trust Co. has a Return on Equity of 6.7% versus the BestCashCow average of 8.39%. 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 & Trust Co. U.S. Bank Average
11.67% 11.94%

Carolina Bank & Trust Co. has a Capitalization of 11.67% versus the BestCashCow average of 11.94%. 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 & Trust Co. Balance Sheet Analysis

As of June 30, 2017, Carolina Bank & Trust Co. had assets of $447,048,000, loans of $309,684,000, and deposits of $389,719,000. 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.

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