Side-by-side · Q2 2026 data
Carolina Bank & Trust Co. vs Spc Credit Union
Metric by metric
| Measure | Carolina Bank & Trust Co. | Spc Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 66 |
| Capital cushion | 85 (stronger) | 64 |
| Loan quality | 86 (stronger) | 62 |
| Earnings | 94 (stronger) | 46 |
| Funding & liquidity | 50 | 93 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 84th | 37th |
| Total assets | $844.6M | $265.8M |
| Deposits / shares | $727.4M | $234.3M |
| Capital ratio | 13.51% (stronger) | 11.42% |
| Problem loans | 0.41% (stronger) | 1.13% |
| Net charge-offs | 0.20% (stronger) | 0.71% |
| Return on assets | 1.85% (stronger) | 0.65% |
| Loans ÷ deposits | 82.3% | 67.7% (stronger) |
| Uninsured deposits | 40.1% | 3.5% (stronger) |
| Offices | 14 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | 46.8% |
Carolina Bank & Trust Co. has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Carolina Bank & Trust Co. leads on 5 and Spc Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hartsville, SC
- Florence, SC
- Bennettsville, SC
- Darlington, SC
- Cheraw, SC