Carolina First Bank

Headquarters

102 South Main Street
Greenville, SC 29601
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.71% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Carolina First Bank is an FDIC insured institution located in Greenville, SC. It was founded in 1986 and has approximately $11.58 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26849
Date Established 1986
Assets $ 11.88 billion
Loans $ 8.04 billion
Deposits $ 9.38 billion
Capital $ 1,125.71 million
 

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

Deposit Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - March 2, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Carolina First Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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3.620% 3.500% 1.00 $3,750 $1,123 Learn More
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2.931% 2.875% 0.75 $1,810 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
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2.240 %
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People's United Bank, N.A.
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4.000 %
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Note to Carolina First Bank
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Branches

Carolina First 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:
Fairfield,Connecticut


Carolina First Bank Locations


Financial Details

Carolina First Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolina First 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 First Bank U.S. Bank Average
27.46% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Carolina First Bank had $409,511,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,125,709,000 in equity and $365,642,000 in loans loss reserves. That gives it a Texas Ratio of 27.46%.

Return on Equity
Carolina First Bank U.S. Bank Average
-45.7% 9.23%

Carolina First Bank has a Return on Equity of -45.7% versus the BestCashCow average of 9.23%. 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 First Bank U.S. Bank Average
9.48% 12.07%

Carolina First Bank has a Capitalization of 9.48% versus the BestCashCow average of 12.07. 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 First Bank Balance Sheet Analysis

As of November 30, -0001, Carolina First Bank had assets of $11,577,485,000, loans of $8,039,577,000, and deposits of $9,375,358,000. 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.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 8.04 billion
Loan loss allowance $ 365.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 9.38 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 11.88 billion

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Carolina First Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Carolina First 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

Frequently Asked Questions About Carolina First Bank

Branches and Savings

Is Carolina First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26849.

Why does Carolina First 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 First Bank CD rates not competitive?

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

Is Carolina First Bank a commercial bank?

Yes

Where are Carolina First Bank locations?

See branch locations nearby.

Is Carolina First Bank open on Saturdays?

Is Carolina First Bank open on Sundays?

What time does Carolina First Bank open?

What time does Carolina First Bank close?

Are Carolina First Bank ATMs Open 24/7?

Do Carolina First Bank ATMs accept cash deposits?

Can Carolina First Bank customers use other ATMs?

Do Carolina First Bank branches have notaries?

Will Carolina First Bank notarize my document?

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

Will the Carolina First Bank branch print checks?

Do Carolina First Bank checks expire?

Does Carolina First Bank require US citizenship to open account?

Can Carolina First Bank close my account?

Does Carolina First Bank Report to credit bureaus?

Does Carolina First Bank Use Equifax?

What is Carolina First Bank's ACH Routing Number?

What is Carolina First Bank's SWIFT code?

Products

Does Carolina First Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Carolina First Bank offer personal loans?

Compare personal loan rates here.

Does Carolina First Bank offer student loans?

Will Carolina First Bank cash a check?

Will Carolina First Bank redeem a savings bond?

Does Carolina First Bank cash savings bonds?

Will Carolina First Bank cash money orders?

Can Carolina First Bank issue a money order?

Does Carolina First Bank do currency exchange?

Background on The Bank

Who owns Carolina First Bank?

How long has Carolina First Bank been around?

Can Carolina First Bank transfer to other banks?

Does Carolina First Bank have quick pay?

Does Carolina First Bank accept rolled coins?

Will Carolina First Bank accept loose change?

Where is Carolina First Bank headquarters?

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