Carolina Premier Bank

13024 Ballantyne Corporate Place
Charlotte, NC 28277

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58516
Date Established 2007
Assets $0.26 billion
Loans $0.20 billion
Deposits $0.22 billion
Capital $0.02 billion

Carolina Premier Bank is an FDIC insured institution located in Charlotte, NC. It was founded in 2007 and has approximately $0.28 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Carolina Premier 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 Premier Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in North Carolina, Carolina Premier Bank has a significantly higher percent of Commercial and Industrial Loans 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 27.19
Multifamily
Mortgages
1.94
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 0.00
Construction and Development Loans 9.37
Commercial Real Estate 46.61
Commercial and Industrial Loans 15.35
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carolina Premier 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

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Payment
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License#: MC-5531
4.308% 4.250% 0.50 $1,725 $1,230 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

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

Branches

Carolina Premier 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 Premier Bank Locations

Financial Details

Carolina Premier Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carolina Premier 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 Premier Bank U.S. Bank Average
5.17% 7.92%

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 March 31, 2018, Carolina Premier Bank had $1,408,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,908,000 in equity and $2,341,000 in loans loss reserves. That gives it a Texas Ratio of 5.17%.

Return on Equity
Carolina Premier Bank U.S. Bank Average
5.48% 9.35%

Carolina Premier Bank has a Return on Equity of 5.48% versus the BestCashCow average of 9.35%. 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 Premier Bank U.S. Bank Average
9.49% 12.01%

Carolina Premier Bank has a Capitalization of 9.49% versus the BestCashCow average of 12.01. 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 Premier Bank Balance Sheet Analysis

As of September 30, 2017, Carolina Premier Bank had assets of $275,624,000, loans of $202,006,000, and deposits of $220,772,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.20 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.22 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.26 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Carolina Premier Bank

Branches and Savings

Is Carolina Premier Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58516.

Why does Carolina Premier 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 Premier Bank CD rates not competitive?

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

Is Carolina Premier Bank a commercial bank?

Yes

Where are Carolina Premier Bank locations?

See branch locations nearby.

Is Carolina Premier Bank open on Saturdays?

Is Carolina Premier Bank open on Sundays?

What time does Carolina Premier Bank open?

What time does Carolina Premier Bank close?

Are Carolina Premier Bank ATMs Open 24/7?

Do Carolina Premier Bank ATMs accept cash deposits?

Can Carolina Premier Bank customers use other ATMs?

Do Carolina Premier Bank branches have notaries?

Will Carolina Premier Bank notarize my document?

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

Will the Carolina Premier Bank branch print checks?

Do Carolina Premier Bank checks expire?

Does Carolina Premier Bank require US citizenship to open account?

Can Carolina Premier Bank close my account?

Does Carolina Premier Bank Report to credit bureaus?

Does Carolina Premier Bank Use Equifax?

What is Carolina Premier Bank's ACH Routing Number?

What is Carolina Premier Bank's SWIFT code?

Products

Does Carolina Premier Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Carolina Premier Bank offer personal loans?

Compare personal loan rates here.

Does Carolina Premier Bank offer student loans?

Will Carolina Premier Bank cash a check?

Will Carolina Premier Bank redeem a savings bond?

Does Carolina Premier Bank cash savings bonds?

Will Carolina Premier Bank cash money orders?

Can Carolina Premier Bank issue a money order?

Does Carolina Premier Bank do currency exchange?

Background on The Bank

Who owns Carolina Premier Bank?

How long has Carolina Premier Bank been around?

Can Carolina Premier Bank transfer to other banks?

Does Carolina Premier Bank have quick pay?

Does Carolina Premier Bank accept rolled coins?

Will Carolina Premier Bank accept loose change?

Where is Carolina Premier Bank headquarters?

Customer Reviews for Carolina Premier Bank


  • Fcr_ruralhall@windstream.net

    July 25, 2016 |

    Wish you had a branch in Winston-Salem, NC? I'm interested in your CDs?

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