Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs First Reliance Bank
Metric by metric
| Measure | Carolina Bank & Trust Co. | First Reliance Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 85 (stronger) | 55 |
| Loan quality | 86 | 98 (stronger) |
| Earnings | 94 (stronger) | 69 |
| Funding & liquidity | 50 (stronger) | 42 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 84th | 63rd |
| Total assets | $844.6M | $1.1B |
| Deposits / shares | $727.4M | $922.0M |
| Capital ratio | 13.51% (stronger) | 10.53% |
| Problem loans | 0.41% | 0.07% (stronger) |
| Net charge-offs | 0.20% | -0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.21% |
| Loans ÷ deposits | 82.3% (stronger) | 90.0% |
| Uninsured deposits | 40.1% (stronger) | 40.3% |
| Offices | 14 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 5 and First Reliance Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.