D
Carter Bank & Trust
Rating Date
March 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 D
Asset Quality Index 0.10
Capitalization Index 7.00
Liquidity Index 2.80
Profitability Index 3.60
Stability Index 6.60
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 3.83%
5-Year Asset Growth 3.12%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 5.07%
Non-Performing Loans to Capital 47.98%
Non-Performing Loans to Loans 6.31%
Balance Sheet Carter Bank & Trust
Martinsville, VA
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Total Assets 4.83B
Total Deposits 4.21B
Capital and Reserves Carter Bank & Trust
Martinsville, VA
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Capital 397.63M
Leverage Ratio 9.01
Loan Loss Reserves to Loans 1.84%
Risk-Based Capital Ratio 11.49
Liquidity Carter Bank & Trust
Martinsville, VA
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Hot Money Ratio 25.85%
Liquidity Ratio 11.91%
Profitability Carter Bank & Trust
Martinsville, VA
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5-Year Return on Average Assets 0.42%
Net Income 34.23M
Net Interest Spread 2.81%
Operating Profit to Average Assets 0.89%
Overhead Efficiency Ratio 74.69%
Return on Assets 0.71%
Return on Equity 8.66%