American Bank of the Carolinas

BankMonroe, North Carolina
www.abc-nc.com

Total Assets

$212.1M

Total Deposits

$182.9M

Branches

3

Established

2019

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

American Bank of the Carolinas is a bank headquartered in Monroe, North Carolina, established in 2019. With $212.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
12.44%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.31%(1%)
Return on Equity (ROE)
11.32%(10%)
Net Interest Margin
4.79%
Efficiency Ratio
63.07%(60%)

Lending & Liquidity

Total Loans
$153.0M
Loan-to-Deposit Ratio
82.83%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+7.66%
Deposit Growth (YoY)
+6.08%
Net Income
$2.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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