American Bank of the Carolinas: how it compares with its peers
Against 8 NC banks with half to twice its assets, American Bank of the Carolinas's strongest measure in Q2 2026 is net interest margin (4.78% vs. a 3.29% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $8.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.03% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.78% | 3.29% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.66% | 70.31% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.4M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.62% | 83.29% | Context |
What it means for lending operations
Its efficiency ratio of 57.66% is better than the 70.31% 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
- Taylorsville Savings Bank, SSB Taylorsville, NC · $232M
- New Republic Bank Roanoke Rapids, NC · $176M
- Belmont Savings Bank, SSB Belmont, NC · $161M
- First Federal Bank Dunn, NC · $276M
- Nantahala Bank & Trust Company Franklin, NC · $289M
Questions about American Bank of the Carolinas
How big is American Bank of the Carolinas?
American Bank of the Carolinas, established in 2019, is headquartered in Monroe, NC. It reported $214M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is American Bank of the Carolinas's return on assets?
1.45% annualized in Q2 2026, against a 1.03% median for 8 NC banks with half to twice its assets, ahead of 63% of them.
What is American Bank of the Carolinas's efficiency ratio?
57.66% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 70.31%, and lower is better.
Is American Bank of the Carolinas growing its loans?
Net loans grew 17.8% over the year to Q2 2026, while deposits grew 7.6%.
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 NC 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 North Carolina bank ranked.