Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs Dedicated Community Bank
Metric by metric
| Measure | Carolina Bank & Trust Co. | Dedicated Community Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 85 (stronger) | 43 |
| Loan quality | 86 (stronger) | 84 |
| Earnings | 94 (stronger) | 56 |
| Funding & liquidity | 50 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 84th | 29th |
| Total assets | $844.6M | $100.6M |
| Deposits / shares | $727.4M | $91.1M |
| Capital ratio | 13.51% (stronger) | 9.27% |
| Problem loans | 0.41% (stronger) | 0.47% |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 0.89% |
| Loans ÷ deposits | 82.3% (stronger) | 82.5% |
| Uninsured deposits | 40.1% | 18.0% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 3.6% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 5 and Dedicated Community Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.