Carter Bank&Trust (FDIC #58596): Bank Stress & Real-Estate Credit Exposure
Carter Bank&Trust (FDIC Cert #58596): bank stress 35/100, contained, STABLE over 7 days; parent CARTER BANKSHARES INC.
Carter Bank&Trust (#58596) lends in 38 counties across 2 states; Carter Bank&Trust (#58596) reaches 404 ZIP codes: Virginia 28 counties, 214 ZIPs; North Carolina 10 counties, 191 ZIPs.
Carter Bank&Trust (#58596) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#58596), Mecklenburg County, NC (37 branches, 37 ZIPs) (#58596), Guilford County, NC (105 branches, 35 ZIPs) (#58596), Albemarle County, VA (48 branches, 24 ZIPs) (#58596), Forsyth County, NC (44 branches, 22 ZIPs) (#58596), Pittsylvania County, VA (40 branches, 20 ZIPs) (#58596).
Carter Bank&Trust (#58596) reports $4.80 billion in total assets; Carter Bank&Trust (#58596) equity $541.9 million (11.3% of Carter Bank&Trust (#58596) assets); Carter Bank&Trust (#58596) domestic deposits $4.20 billion; Carter Bank&Trust (#58596) net income $88.0 million; Carter Bank&Trust (#58596) return on assets 3.66%; Carter Bank&Trust (#58596) return on equity 37.13%; Carter Bank&Trust (#58596) net interest income $75.9 million; Carter Bank&Trust (#58596) call report June 30, 2026.
Carter Bank&Trust (#58596) noncurrent real-estate loans: none reported; Carter Bank&Trust (#58596) residential -0.03%; Carter Bank&Trust (#58596) net charge-offs on real estate 0.69%; Carter Bank&Trust (#58596) residential charge-offs 1.23%.
Carter Bank&Trust (#58596) net interest margin 3.33% against an eight-quarter Carter Bank&Trust (#58596) average of 2.90% (Carter Bank&Trust (#58596) compression -0.43 points); Carter Bank&Trust (#58596) non-residential real estate 123.3% of equity; Carter Bank&Trust (#58596) rate-exposure score 40/100, Carter Bank&Trust (#58596) fixed-rate trap 40/100; Carter Bank&Trust (#58596) risk type rate trapped; Carter Bank&Trust (#58596) rate regime rates elevated, Carter Bank&Trust (#58596) snapshot October 20, 2026.
Carter Bank&Trust (#58596) stress score moved from 38.3 on June 22, 2026 to 34.7 on October 20, 2026; Carter Bank&Trust (#58596) ranged 34.7 to 38.3 over 117 snapshots.
Carter Bank&Trust (#58596) alerts: 36 counties; top Carter Bank&Trust (#58596) alert scores: Lynchburg County, VA 41 (moderate); Danville County, VA 40 (moderate); Galax County, VA 40 (moderate); Bedford County, VA 39 (moderate); Floyd County, VA 39 (moderate).