C
Carter Bank & Trust
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Carter Bank & Trust
Martinsville, VA
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Rating C
Asset Quality Index 2.60
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 6.40
Stability Index 8.10
Company Info Carter Bank & Trust
Martinsville, VA
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FDIC Number 58596
Phone Number (276) 656-1776
Website www.carterbank.com
Asset Quality Carter Bank & Trust
Martinsville, VA
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1-Year Asset Growth 0.35%
5-Year Asset Growth 3.12%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans -0.82%
Non-Performing Assets to Assets 1.25%
Non-Performing Loans to Capital 7.50%
Non-Performing Loans to Loans 1.52%
Balance Sheet Carter Bank & Trust
Martinsville, VA
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Total Assets 4.80B
Total Deposits 4.20B
Capital and Reserves Carter Bank & Trust
Martinsville, VA
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Capital 541.85M
Leverage Ratio 11.73
Loan Loss Reserves to Loans 1.48%
Risk-Based Capital Ratio 15.60
Liquidity Carter Bank & Trust
Martinsville, VA
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Hot Money Ratio 25.14%
Liquidity Ratio 18.74%
Profitability Carter Bank & Trust
Martinsville, VA
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5-Year Return on Average Assets 0.78%
Net Income 87.96M
Net Interest Spread 3.21%
Operating Profit to Average Assets 4.58%
Overhead Efficiency Ratio 38.63%
Return on Assets 3.60%
Return on Equity 36.97%