BlastPoint's Banking Scorecard
Carter Bank & Trust
Community
Specialty: Commercial
VA
FDIC cert 58596
Martinsville, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Carter Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25% in Community
- - Delinquency Rate 5.78% above tier
- - Non-Interest-Bearing Deposit Share 17.05% below tier
- - Nonperforming Asset Ratio 4.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+3.8% YoY
-0.1% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.8B
+7.3% YoY
+1.2% QoQ
|
+$2.8B |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.2B
+1.4% YoY
-0.1% QoQ
|
+$3.0B |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.72%
+21.8% YoY
+2.5% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.92%
+9.0% YoY
+1.4% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
74.58%
-5.7% YoY
+1.1% QoQ
|
+11.95% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
6.41%
-12.3% YoY
-6.8% QoQ
|
+5.78% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
90.41%
+5.8% YoY
+1.3% QoQ
|
+7.35% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
3.99%
+18.0% YoY
+4.2% QoQ
|
-17.05% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
5.05%
-9.6% YoY
-5.6% QoQ
|
+4.55% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.23%
-4.6% YoY
-2.2% QoQ
|
-0.01% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.47%
-7.3% YoY
+27.3% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#129 of 513 · Bottom 25% 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:
90.41%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.41%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
3.99%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.05%
(Tier avg: 0.50%, National avg: 0.48%)
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
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.41% · Tier avg: 83.06%
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.23% · Tier avg: 10.24%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.58% · Tier avg: 62.63%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.99% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 6.41% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.05% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.05% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.41% · Tier avg: 0.63%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.99% · Tier avg: 21.05%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
18
18th pctile
Efficiency Ratio
Current: 74.58% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.16%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.23% · Tier avg: 10.24%
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
66
66th pctile
Loan-to-Deposit Ratio
Current: 90.41% · Tier avg: 83.06%
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B