What is The Bank of Charlotte County's financial health grade?

The Bank of Charlotte County has a TFS Financial Health Grade of C+ (score: 77.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Bank of Charlotte County have?

The Bank of Charlotte County has 6 branch locations across the United States.

Is The Bank of Charlotte County FDIC insured?

Yes, The Bank of Charlotte County is FDIC insured (Certificate #14491).

What are the total assets of The Bank of Charlotte County?

The Bank of Charlotte County has total assets of $228.1M as reported in its most recent FDIC filing.

The Bank of Charlotte County

BankPhenix, Virginia

www.bankofcharlotte.com

Total Assets

$228.1M

Total Deposits

$203.7M

Branches

Established

1912

TFS Health Grade

C+

77.7 / 100

Average financial health

How we grade

The Bank of Charlotte County is a bank headquartered in Phenix, Virginia, established in 1912. With $228.1M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (77.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.99%(8%)

Total Capital Ratio

17.97%(10%)

Non-Performing Loan Ratio

1.16%

Profitability

Return on Assets (ROA)

1.24%(1%)

Return on Equity (ROE)

11.66%(10%)

Net Interest Margin

4.52%

Efficiency Ratio

64.19%(60%)

Lending & Liquidity

Total Loans

$143.3M

Loan-to-Deposit Ratio

69.56%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+12.21%

Deposit Growth (YoY)

+15.52%

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.

Branch	Address	City	State	Type
The Bank of Charlotte CountyHQ	101 Berkley Street	Phenix	VA	11
The Bank of Charlotte County	308 Lynchburg Avenue	Brookneal	VA	11
The Bank of Charlotte County	111 David Bruce Ave	Charlotte Court House	VA	11
The Bank of Charlotte County	4767 Drakes Main Street	Drakes Branch	VA	11
The Bank of Charlotte County	208 King St	Keysville	VA	11
The Bank of Charlotte County	514 East Atlantic Street	South Hill	VA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.