Side-by-side · Q2 2026 data
Arthur State Bank vs Carolina Bank & Trust Co.
Metric by metric
| Measure | Arthur State Bank | Carolina Bank & Trust Co. |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 33 | 85 (stronger) |
| Loan quality | 80 | 86 (stronger) |
| Earnings | 65 | 94 (stronger) |
| Funding & liquidity | 66 (stronger) | 50 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 22nd | 84th |
| Total assets | $831.9M | $844.6M |
| Deposits / shares | $686.1M | $727.4M |
| Capital ratio | 8.30% | 13.51% (stronger) |
| Problem loans | 0.60% | 0.41% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 1.12% | 1.85% (stronger) |
| Loans ÷ deposits | 89.3% | 82.3% (stronger) |
| Uninsured deposits | 19.0% (stronger) | 40.1% |
| Offices | 17 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | 5.4% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Arthur State Bank leads on 2 and Carolina Bank & Trust Co. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.