Carolina Federal Savings Bank

4 Carriage Lane, Suite 101
Charleston, SC 29407

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35372
Date Established 1960
Assets $0.05 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.00 billion

Carolina Federal Savings Bank is an FDIC insured institution located in Charleston, SC. It was founded in 1960 and has approximately $0.05 billion in assets.

For a more detailed analysis of Carolina Federal Savings 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 Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Carolina Federal Savings 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.

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

Deposit Rates

Your Current Location: Virginia, VA 20146

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

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carolina Federal Savings 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 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 Federal Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Carolina Federal Savings 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:
Ashburn,Virginia


Carolina Federal Savings Bank Locations

Financial Details

Carolina Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolina Federal Savings Bank. 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 Federal Savings Bank U.S. Bank Average
466.34% 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 Federal Savings Bank had $7,271,000 in non-current loans and $3,231,000 in owned real estate. To cover these potential losses it had $1,121,000 in equity and $1,131,000 in loans loss reserves. That gives it a Texas Ratio of 466.34%.

Return on Equity
Carolina Federal Savings Bank U.S. Bank Average
10.85% 8.84%

Carolina Federal Savings Bank has a Return on Equity of 10.85% 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 Federal Savings Bank U.S. Bank Average
2.06% 12.21%

Carolina Federal Savings Bank has a Capitalization of 2.06% 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 Federal Savings Bank Balance Sheet Analysis

As of March 31, 2012, Carolina Federal Savings Bank had assets of $54,373,000, loans of $40,273,000, and deposits of $53,082,000. 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 Federal Savings Bank

Branches and Savings

Is Carolina Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35372.

Why does Carolina Federal Savings 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 Federal Savings Bank CD rates not competitive?

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

Is Carolina Federal Savings Bank a commercial bank?

Yes

Where are Carolina Federal Savings Bank locations?

See branch locations nearby.

Is Carolina Federal Savings Bank open on Saturdays?

Is Carolina Federal Savings Bank open on Sundays?

What time does Carolina Federal Savings Bank open?

What time does Carolina Federal Savings Bank close?

Are Carolina Federal Savings Bank ATMs Open 24/7?

Do Carolina Federal Savings Bank ATMs accept cash deposits?

Can Carolina Federal Savings Bank customers use other ATMs?

Do Carolina Federal Savings Bank branches have notaries?

Will Carolina Federal Savings Bank notarize my document?

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

Will the Carolina Federal Savings Bank branch print checks?

Do Carolina Federal Savings Bank checks expire?

Does Carolina Federal Savings Bank require US citizenship to open account?

Can Carolina Federal Savings Bank close my account?

Does Carolina Federal Savings Bank Report to credit bureaus?

Does Carolina Federal Savings Bank Use Equifax?

What is Carolina Federal Savings Bank's ACH Routing Number?

What is Carolina Federal Savings Bank's SWIFT code?

Products

Does Carolina Federal Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Carolina Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Carolina Federal Savings Bank offer student loans?

Will Carolina Federal Savings Bank cash a check?

Will Carolina Federal Savings Bank redeem a savings bond?

Does Carolina Federal Savings Bank cash savings bonds?

Will Carolina Federal Savings Bank cash money orders?

Can Carolina Federal Savings Bank issue a money order?

Does Carolina Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Carolina Federal Savings Bank?

How long has Carolina Federal Savings Bank been around?

Can Carolina Federal Savings Bank transfer to other banks?

Does Carolina Federal Savings Bank have quick pay?

Does Carolina Federal Savings Bank accept rolled coins?

Will Carolina Federal Savings Bank accept loose change?

Where is Carolina Federal Savings Bank headquarters?

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