B
Carolina Bank & Trust Company
Rating Date
March 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 8.00
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 7.90
Stability Index 6.30
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 12.96%
5-Year Asset Growth 9.22%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.33%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 2.87%
Non-Performing Loans to Loans 0.77%
Balance Sheet Carolina Bank & Trust Company
Florence, SC
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Total Assets 886.38M
Total Deposits 774.28M
Capital and Reserves Carolina Bank & Trust Company
Florence, SC
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Capital 105.50M
Leverage Ratio 12.58
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio 21.17
Liquidity Carolina Bank & Trust Company
Florence, SC
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Hot Money Ratio 8.18%
Liquidity Ratio 18.06%
Profitability Carolina Bank & Trust Company
Florence, SC
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5-Year Return on Average Assets 1.32%
Net Income 12.29M
Net Interest Spread 3.98%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 48.74%
Return on Assets 1.51%
Return on Equity 12.19%