Bank Of Charlotte County (FDIC #14491): Bank Stress & Real-Estate Credit Exposure

Bank Of Charlotte County (FDIC Cert #14491): bank stress 31/100, contained, STABLE over 7 days; parent BCC BANKSHARES INC.

Bank Of Charlotte County (#14491) lends in 3 counties across 1 state; Bank Of Charlotte County (#14491) reaches 37 ZIP codes: Virginia 3 counties, 37 ZIPs.

Bank Of Charlotte County (#14491) largest markets: Campbell County, VA (14 branches, 14 ZIPs) (#14491), Charlotte County, VA (56 branches, 14 ZIPs) (#14491), Mecklenburg County, VA (13 branches, 13 ZIPs) (#14491).

Bank Of Charlotte County (#14491) reports $222.8 million in total assets; Bank Of Charlotte County (#14491) equity $27.2 million (12.2% of Bank Of Charlotte County (#14491) assets); Bank Of Charlotte County (#14491) domestic deposits $194.5 million; Bank Of Charlotte County (#14491) net income $3.9 million; Bank Of Charlotte County (#14491) return on assets 3.44%; Bank Of Charlotte County (#14491) return on equity 31.08%; Bank Of Charlotte County (#14491) net interest income $4.9 million; Bank Of Charlotte County (#14491) call report June 30, 2026.

Bank Of Charlotte County (#14491) noncurrent real-estate loans 0.14% of its book; Bank Of Charlotte County (#14491) net charge-offs on real estate 0.37%; Bank Of Charlotte County (#14491) residential charge-offs 0.08%.

Bank Of Charlotte County (#14491) net interest margin 4.54% against an eight-quarter Bank Of Charlotte County (#14491) average of 4.53% (Bank Of Charlotte County (#14491) compression -0.01 points); Bank Of Charlotte County (#14491) real-estate loans 14.0% of equity; Bank Of Charlotte County (#14491) non-residential real estate 7.7% of equity; Bank Of Charlotte County (#14491) rate-exposure score 40/100, Bank Of Charlotte County (#14491) fixed-rate trap 40/100; Bank Of Charlotte County (#14491) risk type rate trapped; Bank Of Charlotte County (#14491) rate regime rates elevated, Bank Of Charlotte County (#14491) snapshot October 19, 2026.

Bank Of Charlotte County (#14491) stress score moved from 58.3 on June 22, 2026 to 31.5 on October 19, 2026; Bank Of Charlotte County (#14491) ranged 31.5 to 58.3 over 116 snapshots.

Bank Of Charlotte County (#14491) alerts: 3 counties; top Bank Of Charlotte County (#14491) alert scores: Brookneal County, VA 15 (low); Phenix County, VA 15 (low); South Hill County, VA 15 (low).