Carter Bank & Trust

BankMartinsville, Virginia
www.carterbank.com

Total Assets

$4.8B

Total Deposits

$4.2B

Branches

67

Established

2006

TFS Health Grade

$
F

59.4 / 100

Poor financial health

How we grade

Carter Bank & Trust is a bank headquartered in Martinsville, Virginia, established in 2006. With $4.8B in total assets and 67 branch locations, it has a TFS Financial Health Grade of F (59.4/100).

Capital & Safety

Tier 1 Capital Ratio
9.01%(8%)
Total Capital Ratio
11.49%(10%)
Non-Performing Loan Ratio
6.29%

Profitability

Return on Assets (ROA)
0.72%(1%)
Return on Equity (ROE)
8.70%(10%)
Net Interest Margin
2.92%
Efficiency Ratio
74.58%(60%)

Lending & Liquidity

Total Loans
$3.9B
Loan-to-Deposit Ratio
90.41%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+3.83%
Deposit Growth (YoY)
+1.41%
Net Income
$34.2M

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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