Carolina Bank & Trust Co.

BankLamar, South Carolina
www.carolinabank.net

Total Assets

$886.4M

Total Deposits

$774.3M

Branches

14

Established

1936

TFS Health Grade

$
B-

82.5 / 100

Good financial health

How we grade

Carolina Bank & Trust Co. is a bank headquartered in Lamar, South Carolina, established in 1936. With $886.4M in total assets and 14 branch locations, it has a TFS Financial Health Grade of B- (82.5/100).

Capital & Safety

Tier 1 Capital Ratio
12.58%(8%)
Total Capital Ratio
21.17%(10%)
Non-Performing Loan Ratio
0.35%

Profitability

Return on Assets (ROA)
1.51%(1%)
Return on Equity (ROE)
12.19%(10%)
Net Interest Margin
4.05%
Efficiency Ratio
48.74%(60%)

Lending & Liquidity

Total Loans
$588.3M
Loan-to-Deposit Ratio
74.93%
Net Charge-Off Ratio
0.33%

Growth

Asset Growth (YoY)
+12.96%
Deposit Growth (YoY)
+13.46%
Net Income
$12.3M

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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