Headquartered in Monroe, North Carolina, American Bank of the Carolinas is a state-chartered bank with $214.0M in total assets and $183.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 2019.
American Bank of the Carolinas has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 38 banks headquartered in North Carolina, it ranks 10th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (51/100, 91% loans-to-deposits, 32% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 84 |
| Q4 2024 | 82 |
| Q1 2025 | 81 |
| Q2 2025 | 81 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.29% |
| Q3 2024 | 12.93% |
| Q4 2024 | 12.67% |
| Q1 2025 | 13.09% |
| Q2 2025 | 13.12% |
| Q3 2025 | 12.91% |
| Q4 2025 | 12.44% |
| Q1 2026 | 12.22% |
| Q2 2026 | 12.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.04% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $214.0M | 12.27% | 0.00% | 1.45% | 90.6% |
| Q1 2026 | 81 | $242.6M | 12.22% | 0.00% | 1.40% | 73.5% |
| Q4 2025 | 80 | $212.1M | 12.44% | 0.00% | 1.31% | 82.8% |
| Q3 2025 | 81 | $200.9M | 12.91% | 0.00% | 1.24% | 86.6% |
| Q2 2025 | 81 | $198.2M | 13.12% | 0.00% | 1.14% | 82.8% |
| Q1 2025 | 81 | $192.4M | 13.09% | 0.00% | 1.04% | 82.4% |
| Q4 2024 | 82 | $197.0M | 12.67% | 0.00% | 1.29% | 73.7% |
| Q3 2024 | 84 | $188.7M | 12.93% | 0.00% | 1.40% | 74.3% |
| Q2 2024 | 86 | $182.8M | 13.29% | 0.00% | 1.57% | 77.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Taylorsville Savings Bank, SSBBank Taylorsville, NC | 63 out of 100, Moderate | $232.4M | 8.1% | 0.40% | vs |
| New Republic BankBank Roanoke Rapids, NC | 92 out of 100, Very strong | $176.3M | 15.8% | 0.15% | vs |
| Belmont Savings Bank, SSBBank Belmont, NC | 69 out of 100, Moderate | $161.0M | 12.9% | 0.37% | vs |
| First Federal BankBank Dunn, NC | 59 out of 100, Moderate | $275.6M | 9.2% | 0.47% | vs |
| Nantahala Bank & Trust CompanyBank Franklin, NC | 73 out of 100, Strong | $288.8M | 9.4% | 0.32% | vs |
| Morganton Savings Bank, S.S.B.Bank Morganton, NC | 81 out of 100, Strong | $114.5M | 25.5% | 0.21% | vs |
Deposit insurance
Is my money safe at American Bank of the Carolinas?
Yes. American Bank of the Carolinas is an FDIC-insured institution (FDIC certificate #59157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.7% of deposits ($58.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
American Bank of the Carolinas lists 3 offices in 3 cities. Most locations:
- Indian Trail, NC (1)
- Marshville, NC (1)
- Monroe, NC (1)
Identity & history
Profile
- Legal name
- American Bank of the Carolinas
- Former names
- American Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 59157
- RSSD ID
- 5230790
- Primary regulator
- FDIC
- Established
- May 20, 2019
- Headquarters
- 312 N Charlotte Ave, Monroe, NC 28112
- Website
- www.abc-nc.com
- Employees
- 31
Quick answers
American Bank of the Carolinas: common questions
Is American Bank of the Carolinas FDIC insured?
Yes. American Bank of the Carolinas is an FDIC-insured institution (FDIC certificate #59157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank of the Carolinas's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Bank of the Carolinas ever failed?
There is no failure record for FDIC certificate #59157 in the FDIC failed bank list.
How many branches does American Bank of the Carolinas have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monroe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Allvac Savings and Credit UnionCredit union Monroe, NC | 90 out of 100, Very strong | $9.5M | 17.6% | 0.09% | vs |
| Founders Federal Credit UnionCredit union Lancaster, SC | 79 out of 100, Strong | $5.2B | 13.6% | 0.68% | vs |
| Carolinas Telco Federal Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $506.3M | 15.1% | 0.91% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |