B
Carolina Bank & Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Carolina Bank & Trust Company
Florence, SC
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 8.90
Stability Index 5.70
Company Info Carolina Bank & Trust Company
Florence, SC
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FDIC Number 16723
Phone Number (843) 413-9978
Website www.carolinabank.net
Asset Quality Carolina Bank & Trust Company
Florence, SC
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1-Year Asset Growth 4.84%
5-Year Asset Growth 9.22%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 3.08%
Non-Performing Loans to Loans 0.82%
Balance Sheet Carolina Bank & Trust Company
Florence, SC
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Total Assets 844.59M
Total Deposits 727.39M
Capital and Reserves Carolina Bank & Trust Company
Florence, SC
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Capital 110.30M
Leverage Ratio 13.51
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio 21.40
Liquidity Carolina Bank & Trust Company
Florence, SC
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Hot Money Ratio 8.76%
Liquidity Ratio 12.96%
Profitability Carolina Bank & Trust Company
Florence, SC
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5-Year Return on Average Assets 1.38%
Net Income 7.88M
Net Interest Spread 4.12%
Operating Profit to Average Assets 2.35%
Overhead Efficiency Ratio 43.22%
Return on Assets 1.86%
Return on Equity 14.55%