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Carolina Bank & Trust Co.
Lamar, SC · FDIC Certificate #16723 · Chartered 03/0
Total assets
$844.59M
Total deposits
$727.39M
Total equity
$110.30M
Net loans
$598.58M
Branches (offices)
14
Net income (YTD)
$7.88M
Rank: #1,197 of 4,213 U.S. banks by assets · #15 of 43 in South Carolina. Assets changed 4.8% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 14.57% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 13.06% |
| Tier 1 leverage ratio | 13.51% |
| Uninsured deposits (share of deposits) | 40.1% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 82.3% |
| Real estate loans (share of loans) | 81.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $488.27M | 81.6% | |
| Commercial & industrial | $108.34M | 18.1% | |
| Consumer / individual | $7.17M | 1.2% | |
| Construction & development | $38.77M | 6.5% | |
| Agricultural | $650.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $811.27M | $730.04M | $4.08M | $76.14M |
| Jun 2023 | $754.26M | $661.73M | $5.59M | $86.05M |
| Jun 2024 | $725.86M | $626.86M | $5.09M | $92.73M |
| Jun 2025 | $805.58M | $698.75M | $5.86M | $100.39M |
| Jun 2026 | $844.59M | $727.39M | $7.88M | $110.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $727.39M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $727.39M.
Similar-sized banks
The Fountain Trust Company ($844.62M) · Millennium Bank ($844.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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