Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs South Atlantic Bank
Metric by metric
| Measure | Carolina Bank & Trust Co. | South Atlantic Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 85 (stronger) | 44 |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 50 | 58 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 84th | 58th |
| Total assets | $844.6M | $2.0B |
| Deposits / shares | $727.4M | $1.7B |
| Capital ratio | 13.51% (stronger) | 9.42% |
| Problem loans | 0.41% | 0.01% (stronger) |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.07% |
| Loans ÷ deposits | 82.3% (stronger) | 91.1% |
| Uninsured deposits | 40.1% | 25.5% (stronger) |
| Offices | 14 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 4.9% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 4 and South Atlantic Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.