D
Carter Bank & Trust
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Rating D
Asset Quality Index 0.00
Capitalization Index 7.80
Liquidity Index 2.80
Profitability Index 3.60
Stability Index 6.90
Company Info Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 58596
Phone Number (276) 656-1776
Website www.carterbank.com
Asset Quality Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 3.12%
5-Year Asset Growth 3.23%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 5.70%
Non-Performing Loans to Capital 50.40%
Non-Performing Loans to Loans 7.24%
Balance Sheet Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 4.69B
Total Deposits 4.20B
Capital and Reserves Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Capital 394.34M
Leverage Ratio 9.53
Loan Loss Reserves to Loans 1.99%
Risk-Based Capital Ratio 12.11
Liquidity Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 25.45%
Liquidity Ratio 13.03%
Profitability Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.42%
Net Income 9.55M
Net Interest Spread 2.64%
Operating Profit to Average Assets 1.01%
Overhead Efficiency Ratio 74.09%
Return on Assets 0.81%
Return on Equity 9.90%