BlastPoint's Banking Scorecard
First Carolina Bank
Community
Specialty: Commercial
NC
FDIC cert 35530
Rocky Mount, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
First Carolina Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.51% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Community
- - Liquidity Strain: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+9.2% YoY
-5.7% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.6B
+2.1% YoY
-1.7% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.8B
+11.1% YoY
-9.0% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.51%
-38.8% YoY
+16.7% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.35%
-1.1% YoY
+1.3% QoQ
|
-0.32% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
79.55%
+10.7% YoY
-0.3% QoQ
|
+16.92% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.82%
+21.3% YoY
-1.7% QoQ
|
+0.19% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
93.79%
-8.1% YoY
+8.0% QoQ
|
+10.73% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
20.09%
-11.3% YoY
-25.4% QoQ
|
-0.96% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.65%
-14.8% YoY
+2.5% QoQ
|
+0.15% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
11.21%
-14.3% YoY
+2.7% QoQ
|
+0.97% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
1.25%
+596.0% YoY
+29.0% QoQ
|
+0.51% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Community
Why this stands out
Current:
1.25%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (2)
Credit Risk Growth
risk
#51 of 642 · Bottom 8% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#78 of 513 · Bottom 15% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.79%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
91
91th pctile
Non-Interest Income / Assets
Current: 1.25% · Tier avg: 0.74%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.79% · Tier avg: 83.06%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.09% · Tier avg: 21.05%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 10.24%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
32
32th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.55% · Tier avg: 62.63%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 79.55% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.63%
33
33th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.66%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.21% · Tier avg: 10.24%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.09% · Tier avg: 21.05%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.79% · Tier avg: 83.06%
91
91th pctile
Non-Interest Income / Assets
Current: 1.25% · Tier avg: 0.74%
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M