Carolina Bank & Trust Co.: how it compares with its peers
Against 19 SC banks with half to twice its assets, Carolina Bank & Trust Co.'s strongest measure in Q2 2026 is return on assets (1.85% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($9.2M vs. $7.1M).
| Measure | Carolina Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.21% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.81% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.22% | 60.35% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $7.1M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.29% | 73.41% | Context |
What it means for lending operations
Its efficiency ratio of 43.22% is better than the 60.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Arthur State Bank Union, SC · $832M
- OPTUS Bank Columbia, SC · $764M
- Countybank Greenwood, SC · $733M
- Oconee Federal Savings and Loan Association Seneca, SC · $679M
- Palmetto State Bank Hampton, SC · $597M
Questions about Carolina Bank & Trust Co.
How big is Carolina Bank & Trust Co.?
Carolina Bank & Trust Co., established in 1936, is headquartered in Lamar, SC. It reported $845M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Carolina Bank & Trust Co.'s return on assets?
1.85% annualized in Q2 2026, against a 1.21% median for 19 SC banks with half to twice its assets, ahead of 95% of them.
What is Carolina Bank & Trust Co.'s efficiency ratio?
43.22% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is Carolina Bank & Trust Co. growing its loans?
Net loans grew 3.5% over the year to Q2 2026, while deposits grew 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SC banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.