Carolina Bank & Trust Co.

114 South Main Street
Lamar, SC 29069

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16723
Date Established 1936
Assets $0.46 billion
Loans $0.31 billion
Deposits $0.40 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 $0.46 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 Commercial and Industrial 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.75
Multifamily
Mortgages
1.19
Credit Card Loans 0.00
Consumer Auto Loans 0.70
Small Business Loans 0.00
Construction and Development Loans 8.76
Commercial Real Estate 46.88
Commercial and Industrial Loans 10.50
Farm Loans 0.14

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
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 Rates APY MIN MAX
Fixed IRA 0K
0.46% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.41% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $2,500 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,800 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Carolina Bank & Trust Co.
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Branches

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.

Your Location:
Ashburn,Virginia


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 BestCashCow.com 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
11.51% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Carolina Bank & Trust Co. had $5,830,000 in non-current loans and $834,000 in owned real estate. To cover these potential losses it had $53,575,000 in equity and $4,321,000 in loans loss reserves. That gives it a Texas Ratio of 11.51%.

Return on Equity
Carolina Bank & Trust Co. U.S. Bank Average
7.86% 8.84%

Carolina Bank & Trust Co. has a Return on Equity of 7.86% versus the BestCashCow average of 8.84%. 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.

Capitalization
Carolina Bank & Trust Co. U.S. Bank Average
11.64% 12.21%

Carolina Bank & Trust Co. has a Capitalization of 11.64% versus the BestCashCow average of 12.21. 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 September 30, 2017, Carolina Bank & Trust Co. had assets of $460,448,000, loans of $306,395,000, and deposits of $401,155,000. 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 & Trust Co.

Branches and Savings

Is Carolina Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #16723.

Why does Carolina Bank & Trust Co. 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 & Trust Co. CD rates not competitive?

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

Is Carolina Bank & Trust Co. a commercial bank?

Yes

Where are Carolina Bank & Trust Co. locations?

See branch locations nearby.

Is Carolina Bank & Trust Co. open on Saturdays?

Is Carolina Bank & Trust Co. open on Sundays?

What time does Carolina Bank & Trust Co. open?

What time does Carolina Bank & Trust Co. close?

Are Carolina Bank & Trust Co. ATMs Open 24/7?

Do Carolina Bank & Trust Co. ATMs accept cash deposits?

Can Carolina Bank & Trust Co. customers use other ATMs?

Do Carolina Bank & Trust Co. branches have notaries?

Will Carolina Bank & Trust Co. notarize my document?

What address for Carolina Bank & Trust Co. should I put for incoming ACH transfers?

Will the Carolina Bank & Trust Co. branch print checks?

Do Carolina Bank & Trust Co. checks expire?

Does Carolina Bank & Trust Co. require US citizenship to open account?

Can Carolina Bank & Trust Co. close my account?

Does Carolina Bank & Trust Co. Report to credit bureaus?

Does Carolina Bank & Trust Co. Use Equifax?

What is Carolina Bank & Trust Co.'s ACH Routing Number?

What is Carolina Bank & Trust Co.'s SWIFT code?

Products

Does Carolina Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Carolina Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carolina Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Carolina Bank & Trust Co. offer student loans?

Will Carolina Bank & Trust Co. cash a check?

Will Carolina Bank & Trust Co. redeem a savings bond?

Does Carolina Bank & Trust Co. cash savings bonds?

Will Carolina Bank & Trust Co. cash money orders?

Can Carolina Bank & Trust Co. issue a money order?

Does Carolina Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Carolina Bank & Trust Co.?

How long has Carolina Bank & Trust Co. been around?

Can Carolina Bank & Trust Co. transfer to other banks?

Does Carolina Bank & Trust Co. have quick pay?

Does Carolina Bank & Trust Co. accept rolled coins?

Will Carolina Bank & Trust Co. accept loose change?

Where is Carolina Bank & Trust Co. headquarters?

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