Carolina Bank&Trust Co (FDIC #16723): Bank Stress & Real-Estate Credit Exposure
Carolina Bank&Trust Co (FDIC Cert #16723): bank stress 43/100, contained, STABLE over 7 days; parent FIRST CAROLINA BANCSHARES CORP.
Carolina Bank&Trust Co (#16723) lends in 6 counties across 1 state; Carolina Bank&Trust Co (#16723) reaches 56 ZIP codes: South Carolina 6 counties, 56 ZIPs.
Carolina Bank&Trust Co (#16723) largest markets: Horry County, SC (16 branches, 16 ZIPs) (#16723), Florence County, SC (48 branches, 12 ZIPs) (#16723), Chesterfield County, SC (22 branches, 11 ZIPs) (#16723), Darlington County, SC (50 branches, 10 ZIPs) (#16723), Marion County, SC (8 branches, 8 ZIPs) (#16723), Marlboro County, SC (8 branches, 8 ZIPs) (#16723).
Carolina Bank&Trust Co (#16723) reports $844.6 million in total assets; Carolina Bank&Trust Co (#16723) equity $110.3 million (13.1% of Carolina Bank&Trust Co (#16723) assets); Carolina Bank&Trust Co (#16723) domestic deposits $727.4 million; Carolina Bank&Trust Co (#16723) net income $7.9 million; Carolina Bank&Trust Co (#16723) return on assets 1.85%; Carolina Bank&Trust Co (#16723) return on equity 14.57%; Carolina Bank&Trust Co (#16723) net interest income $16.9 million; Carolina Bank&Trust Co (#16723) call report June 30, 2026.
Carolina Bank&Trust Co (#16723) noncurrent real-estate loans 0.03% of its book; Carolina Bank&Trust Co (#16723) residential 0.06%; Carolina Bank&Trust Co (#16723) net charge-offs on real estate 0.37%; Carolina Bank&Trust Co (#16723) residential charge-offs 0.40%.
Carolina Bank&Trust Co (#16723) net interest margin 4.17% against an eight-quarter Carolina Bank&Trust Co (#16723) average of 4.02% (Carolina Bank&Trust Co (#16723) compression -0.15 points); Carolina Bank&Trust Co (#16723) real-estate loans 3.1% of equity; Carolina Bank&Trust Co (#16723) non-residential real estate 39.7% of equity; Carolina Bank&Trust Co (#16723) rate-exposure score 40/100, Carolina Bank&Trust Co (#16723) fixed-rate trap 40/100; Carolina Bank&Trust Co (#16723) risk type credit driven; Carolina Bank&Trust Co (#16723) rate regime rates elevated, Carolina Bank&Trust Co (#16723) snapshot October 20, 2026.
Carolina Bank&Trust Co (#16723) stress score moved from 44.7 on June 22, 2026 to 42.9 on October 20, 2026; Carolina Bank&Trust Co (#16723) ranged 42.9 to 44.7 over 117 snapshots.
Carolina Bank&Trust Co (#16723) alerts: 6 counties; top Carolina Bank&Trust Co (#16723) alert scores: Chesterfield County, SC 36 (moderate); Florence County, SC 35 (low); Bennettsville County, SC 18 (low); Lamar County, SC 18 (low); Mullins County, SC 18 (low).