Side-by-side · Q2 2026 data
Benchmark Community Bank vs Carter Bank & Trust
Metric by metric
| Measure | Benchmark Community Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 48 | 67 (stronger) |
| Loan quality | 94 (stronger) | 66 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 71 (stronger) | 70 |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 77th | 80th |
| Total assets | $1.4B | $4.8B |
| Deposits / shares | $1.3B | $4.2B |
| Capital ratio | 9.80% | 11.73% (stronger) |
| Problem loans | 0.17% (stronger) | 1.01% |
| Net charge-offs | 0.02% | -0.82% (stronger) |
| Return on assets | 1.63% | 3.66% (stronger) |
| Loans ÷ deposits | 88.9% | 87.7% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 17.7% |
| Offices | 18 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Benchmark Community Bank leads on 2 and Carter Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- South Boston, VA
- Henderson, NC
- Chase City, VA
- Clarksville, VA