First Carolina Bank (FDIC #35530): Bank Stress & Real-Estate Credit Exposure
First Carolina Bank (FDIC Cert #35530): bank stress 63/100, elevated, STABLE over 7 days; parent FIRST CAROLINA FINL SERVICES.
First Carolina Bank (#35530) lends in 8 counties across 4 states; First Carolina Bank (#35530) reaches 188 ZIP codes: North Carolina 4 counties, 76 ZIPs; South Carolina 2 counties, 52 ZIPs; Georgia 1 county, 48 ZIPs; Virginia 1 county, 12 ZIPs.
First Carolina Bank (#35530) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#35530), Wake County, NC (82 branches, 41 ZIPs) (#35530), Greenville County, SC (27 branches, 27 ZIPs) (#35530), Richland County, SC (25 branches, 25 ZIPs) (#35530), Nash County, NC (15 branches, 15 ZIPs) (#35530), Virginia Beach County, VA (12 branches, 12 ZIPs) (#35530).
First Carolina Bank (#35530) reports $3.41 billion in total assets; First Carolina Bank (#35530) equity $455.6 million (13.4% of First Carolina Bank (#35530) assets); First Carolina Bank (#35530) domestic deposits $2.87 billion; First Carolina Bank (#35530) net income $13.1 million; First Carolina Bank (#35530) return on assets 0.78%; First Carolina Bank (#35530) return on equity 6.19%; First Carolina Bank (#35530) net interest income $53.1 million; First Carolina Bank (#35530) call report June 30, 2026.
First Carolina Bank (#35530) noncurrent real-estate loans: none reported; First Carolina Bank (#35530) net charge-offs on real estate 0.92%; First Carolina Bank (#35530) residential charge-offs 1.69%.
First Carolina Bank (#35530) net interest margin 3.39% against an eight-quarter First Carolina Bank (#35530) average of 3.36% (First Carolina Bank (#35530) compression -0.04 points); First Carolina Bank (#35530) non-residential real estate 169.2% of equity; First Carolina Bank (#35530) rate-exposure score 40/100, First Carolina Bank (#35530) fixed-rate trap 40/100; First Carolina Bank (#35530) risk type credit driven; First Carolina Bank (#35530) rate regime rates elevated, First Carolina Bank (#35530) snapshot October 19, 2026.
First Carolina Bank (#35530) stress score moved from 64.9 on June 22, 2026 to 63.1 on October 19, 2026; First Carolina Bank (#35530) ranged 63.1 to 64.9 over 116 snapshots.
First Carolina Bank (#35530) alerts: 8 counties; top First Carolina Bank (#35530) alert scores: Atlanta County, NC 22 (low); Columbia County, NC 22 (low); Greenville County, NC 22 (low); Raleigh County, NC 22 (low); Reidsville County, NC 22 (low).