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
Click to
Compare
Click to
Compare
Click to
Compare
Rating D
Asset Quality Index 0.10
Capitalization Index 7.40
Liquidity Index 2.90
Profitability Index 3.80
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 5.55%
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 5.30%
Non-Performing Loans to Capital 48.69%
Non-Performing Loans to Loans 6.71%
Balance Sheet Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 4.78B
Total Deposits 4.23B
Capital and Reserves Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Capital 394.75M
Leverage Ratio 9.25
Loan Loss Reserves to Loans 1.90%
Risk-Based Capital Ratio 11.87
Liquidity Carter Bank & Trust
Martinsville, VA
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 25.44%
Liquidity Ratio 12.79%
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 18.83M
Net Interest Spread 2.72%
Operating Profit to Average Assets 0.98%
Overhead Efficiency Ratio 75.12%
Return on Assets 0.79%
Return on Equity 9.65%