BlastPoint's Banking Scorecard
Carolina Bank & Trust Co.
Community
Specialty: Commercial
SC
FDIC cert 16723
Lamar, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Carolina Bank & Trust Co. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.67% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$886.4M
+13.0% YoY
+6.6% QoQ
|
-$505.1M |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$580.2M
+0.9% YoY
+1.0% QoQ
|
-$395.3M |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$774.3M
+13.5% YoY
+7.3% QoQ
|
-$390.3M |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.51%
+3.6% YoY
-1.2% QoQ
|
+0.35% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.05%
+1.3% YoY
+0.7% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
48.74%
-3.5% YoY
-2.7% QoQ
|
-13.89% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.36%
-4.9% YoY
+3.4% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
74.93%
-11.0% YoY
-5.9% QoQ
|
-8.13% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
27.44%
+19.6% YoY
-4.1% QoQ
|
+6.39% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.23%
-37.3% YoY
-2.0% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
19.91%
+9.7% YoY
+0.8% QoQ
|
+9.67% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.41%
-5.7% YoY
+27.2% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.91%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#126 of 268 · Bottom 47% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.91%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
74.93%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 19.91% · Tier avg: 10.24%
86
86th pctile
Efficiency Ratio
Current: 48.74% · Tier avg: 62.63%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.44% · Tier avg: 21.05%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
72
72th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.93% · Tier avg: 83.06%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
44
44th pctile
Total Deposits
Current: $774.3M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $886.4M · Tier avg: $1.4B
39
39th pctile
Total Loans
Current: $580.2M · Tier avg: $975.5M
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
Top Weaknesses
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
39
39th pctile
Total Loans
Current: $580.2M · Tier avg: $975.5M
42
42th pctile
Total Assets
Current: $886.4M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $774.3M · Tier avg: $1.2B
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
72
72th pctile
Loan-to-Deposit Ratio
Current: 74.93% · Tier avg: 83.06%
72
72th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
74
74th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.16%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.44% · Tier avg: 21.05%
86
86th pctile
Efficiency Ratio
Current: 48.74% · Tier avg: 62.63%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.91% · Tier avg: 10.24%