B
Carolina Bank & Trust Company
Rating Date
October 2025
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 8.30
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 8.00
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 11.99%
5-Year Asset Growth 12.00%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 1.74%
Non-Performing Loans to Loans 0.83%
Balance Sheet Carolina Bank & Trust Company
Florence, SC
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Total Assets 831.51M
Total Deposits 721.32M
Capital and Reserves Carolina Bank & Trust Company
Florence, SC
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Capital 103.25M
Leverage Ratio 12.82
Loan Loss Reserves to Loans 1.43%
Risk-Based Capital Ratio 21.01
Liquidity Carolina Bank & Trust Company
Florence, SC
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Hot Money Ratio 9.62%
Liquidity Ratio 16.67%
Profitability Carolina Bank & Trust Company
Florence, SC
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5-Year Return on Average Assets 1.32%
Net Income 9.13M
Net Interest Spread 3.94%
Operating Profit to Average Assets 1.97%
Overhead Efficiency Ratio 50.11%
Return on Assets 1.53%
Return on Equity 12.20%