Headquartered in Lamar, South Carolina, Carolina Bank & Trust Co. is a state-chartered bank with $844.6M in total assets and $727.4M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1936.
Carolina Bank & Trust Co. has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 7th. Problem-loan coverage contributes the most (96/100, 2.1%); funding & liquidity contributes the least (50/100, 82% loans-to-deposits, 40% 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
From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 79 |
| Q1 2025 | 78 |
| Q2 2025 | 80 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 80 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.25% |
| Q3 2024 | 13.25% |
| Q4 2024 | 13.05% |
| Q1 2025 | 13.12% |
| Q2 2025 | 13.26% |
| Q3 2025 | 12.82% |
| Q4 2025 | 12.58% |
| Q1 2026 | 12.95% |
| Q2 2026 | 13.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.42% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.53% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $844.6M | 13.51% | 0.41% | 1.85% | 82.3% |
| Q1 2026 | 80 | $830.6M | 12.95% | 0.46% | 1.68% | 82.4% |
| Q4 2025 | 78 | $886.4M | 12.58% | 0.35% | 1.51% | 74.9% |
| Q3 2025 | 79 | $831.5M | 12.82% | 0.34% | 1.53% | 79.7% |
| Q2 2025 | 80 | $805.6M | 13.26% | 0.38% | 1.49% | 82.8% |
| Q1 2025 | 78 | $762.8M | 13.12% | 0.31% | 1.35% | 88.3% |
| Q4 2024 | 79 | $784.7M | 13.05% | 0.37% | 1.46% | 84.2% |
| Q3 2024 | 78 | $742.5M | 13.25% | 0.41% | 1.42% | 92.2% |
| Q2 2024 | 79 | $725.9M | 13.25% | 0.34% | 1.39% | 91.6% |
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 South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arthur State BankBank Union, SC | 62 out of 100, Moderate | $831.9M | 8.3% | 0.60% | vs |
| OPTUS BankBank Columbia, SC | 75 out of 100, Strong | $764.2M | 13.0% | 0.94% | vs |
| CountybankBank Greenwood, SC | 69 out of 100, Moderate | $733.0M | 8.7% | 0.44% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
Deposit insurance
Is my money safe at Carolina Bank & Trust Co.?
Yes. Carolina Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.1% of deposits ($291.9M) 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 13.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.40% (benchmark: 10%).
14 locations
Branches
Carolina Bank & Trust Co. lists 14 offices in 10 cities. Most locations:
- Florence, SC (3)
- Darlington, SC (2)
- Hartsville, SC (2)
- Bennettsville, SC (1)
- Cheraw, SC (1)
- Chesterfield, SC (1)
- Lamar, SC (1)
- Mullins, SC (1)
- North Myrtle Beach, SC (1)
- Quinby, SC (1)
HMDA 2025
Mortgage lending
In 2025, Carolina Bank & Trust Co. reported 89 home-loan applications under HMDA (LEI 549300U2ACJ0QKSFKY48): 70 originated ($27,230,000 total), 4 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Carolina Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 16723
- RSSD ID
- 355120
- Primary regulator
- FDIC
- Holding company
- First Carolina Bancshares Corp
- Established
- March 3, 1936
- Headquarters
- 112 Main St, Lamar, SC 29069
- Website
- www.carolinabank.net
- Employees
- 92
Quick answers
Carolina Bank & Trust Co.: common questions
Is Carolina Bank & Trust Co. FDIC insured?
Yes. Carolina Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Carolina Bank & Trust Co.'s TellerScore?
83 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 Carolina Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #16723 in the FDIC failed bank list.
How many branches does Carolina Bank & Trust Co. have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lamar
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Trinity Baptist Church Federal Credit UnionCredit union Florence, SC | 92 out of 100, Very strong | $2.3M | 16.8% | 0.20% | vs |
| Nucor Employee'S Credit UnionCredit union Florence, SC | 91 out of 100, Very strong | $68.2M | 19.7% | 0.61% | vs |
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Bank of ClarendonBank Manning, SC | 84 out of 100, Strong | $438.3M | 11.7% | 0.01% | vs |
| Oconee Federal Savings and Loan AssociationBank Seneca, SC | 78 out of 100, Strong | $679.4M | 13.6% | 0.33% | vs |
| Palmetto First Federal Credit UnionCredit union Florence, SC | 77 out of 100, Strong | $64.1M | 21.0% | 1.89% | vs |