D
Carter Bank & Trust
Rating Date
October 2025
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 0.00
Capitalization Index 7.40
Liquidity Index 2.80
Profitability Index 3.50
Stability Index 6.90
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 4.92%
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 5.48%
Non-Performing Loans to Capital 50.15%
Non-Performing Loans to Loans 6.90%
Balance Sheet Carter Bank & Trust
Martinsville, VA
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Total Assets 4.84B
Total Deposits 4.22B
Capital and Reserves Carter Bank & Trust
Martinsville, VA
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Capital 404.23M
Leverage Ratio 9.24
Loan Loss Reserves to Loans 1.92%
Risk-Based Capital Ratio 11.72
Liquidity Carter Bank & Trust
Martinsville, VA
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Hot Money Ratio 25.84%
Liquidity Ratio 12.28%
Profitability Carter Bank & Trust
Martinsville, VA
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5-Year Return on Average Assets 0.42%
Net Income 24.96M
Net Interest Spread 2.77%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 73.89%
Return on Assets 0.69%
Return on Equity 8.46%