Carolina Premier Bank


13024 Ballantyne Corporate Place
Charlotte, NC 28277
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 58516
Date Established 2007
Assets $ 262.34 million
Loans $ 202.01 million
Deposits $ 220.77 million
Capital $ 24.91 million

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.

Deposit Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 26, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,102 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

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


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:

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 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% 6.94%

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 March 31, 2020, 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% 7.80%

Carolina Premier Bank has a Return on Equity of 5.48% versus the BestCashCow average of 7.80%. 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 Premier Bank U.S. Bank Average
9.49% 12.68%

Carolina Premier Bank has a Capitalization of 9.49% versus the BestCashCow average of 12.68. 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

March 31, 2020
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 $ 202.01 million
Loan loss allowance $ 2.34 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.
Total deposits $ 220.77 million
      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 $ 262.34 million

Summary Income Statement

March 31, 2020
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 Premier Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Carolina Premier 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.19
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

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?


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?


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

  • July 25, 2016 |

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

Add Your Review

Rate it here →