CARTER BANK&TRUST

FDIC #58596 · VA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets4,923,913+10.90% YoY

Total deposits4,480,474+12.18% YoY

Net loans and leases2,584,905-4.04% YoY

Return on assets0.68%+20.44% YoY

Return on equity7.76%+34.72% YoY

Net interest margin2.23%-11.20% YoY

Peer position

Return on assets98thstrength · n=902

Return on equity99thstrength · n=894

Net interest margin27thopportunity · n=902

Equity to assets64thin line · n=894

Noncurrent loans27thopportunity · n=887

Liquid assets43rdin line · n=895

Brokered deposits37thin line · n=890

Loans to deposits48thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	4,923,913	4,480,474	2,584,905	0.68	7.76	2.23
2016-06-30	4,905,368	4,457,846	2,662,358	0.60	6.77	2.20
2016-09-30	4,743,943	4,292,749	2,626,694	0.54	6.11	2.22
2016-12-31	4,505,529	4,063,839	2,697,283	0.33	3.69	2.24
2017-03-31	4,440,004	3,994,021	2,693,801	0.56	5.76	2.51
2017-06-30	4,306,579	3,862,123	2,633,271	0.22	2.20	2.56
2017-09-30	4,189,578	3,743,530	2,648,881	0.13	1.33	2.57
2017-12-31	4,112,292	3,669,615	2,649,644	-0.02	-0.16	2.64
2018-03-31	4,112,793	3,669,576	2,624,032	0.86	8.17	2.91
2018-06-30	4,089,511	3,641,598	2,712,315	0.78	7.38	3.02
2018-09-30	4,028,188	3,589,385	2,763,837	0.28	2.62	3.03
2018-12-31	4,039,599	3,591,181	2,667,152	0.29	2.75	3.06
2019-03-31	4,097,982	3,618,266	2,812,319	0.74	6.81	2.99
2019-06-30	4,062,908	3,577,480	2,835,294	0.76	6.83	3.00
2019-09-30	4,020,076	3,521,981	2,883,884	0.76	6.71	3.01
2019-12-31	4,006,108	3,504,245	2,865,718	0.66	5.78	3.02
2020-03-31	4,001,863	3,472,995	2,926,646	0.44	3.73	2.96
2020-06-30	4,151,733	3,606,707	2,919,284	0.44	3.71	2.87
2020-09-30	4,134,125	3,613,795	2,968,060	-1.60	-13.90	2.80
2020-12-31	4,179,197	3,685,267	2,928,368	-1.11	-9.79	2.77
2021-03-31	4,142,130	3,691,828	2,897,163	0.95	9.57	2.73
2021-06-30	4,120,513	3,660,227	2,816,646	0.77	7.85	2.78
2021-09-30	4,133,700	3,667,138	2,789,752	0.88	8.95	2.87
2021-12-31	4,133,175	3,703,618	2,716,418	0.81	8.21	2.87
2022-03-31	4,122,504	3,732,797	2,797,824	0.96	10.44	2.92
2022-06-30	4,122,378	3,753,682	2,899,915	1.03	11.74	3.15
2022-09-30	4,113,195	3,727,164	2,938,698	1.17	13.76	3.41
2022-12-31	4,199,820	3,632,532	3,055,061	1.26	15.15	3.63
2023-03-31	4,360,564	3,533,580	3,154,568	1.53	19.55	4.10
2023-06-30	4,378,811	3,577,534	3,236,471	1.06	13.51	3.37
2023-09-30	4,446,729	3,556,247	3,316,466	0.82	10.70	3.13
2023-12-31	4,509,201	3,722,544	3,408,858	0.58	7.56	3.01
2024-03-31	4,551,581	3,830,920	3,412,535	0.56	7.26	2.69
2024-06-30	4,528,828	3,881,771	3,452,835	0.52	6.71	2.67
2024-09-30	4,609,509	4,085,126	3,515,342	0.53	6.69	2.68
2024-12-31	4,652,625	4,153,774	3,549,226	0.59	7.40	2.68
2025-03-31	4,693,568	4,201,633	3,613,977	0.82	9.90	2.74
2025-06-30	4,780,209	4,229,503	3,676,344	0.80	9.69	2.82
2025-09-30	4,836,361	4,215,694	3,762,369	0.70	8.48	2.88
2025-12-31	4,831,021	4,212,234	3,808,408	0.72	8.70	2.92
2026-03-31	4,778,484	4,237,075	3,676,299	7.13	77.85	3.15
2026-06-30	4,797,064	4,197,560	3,679,891	3.66	37.13	3.33

Structure and branch footprint

66 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2006-12-30	1	93628	3476192
2006-12-30	1	154220	3476192
2006-12-30	1	168320	3476192
2006-12-30	1	851024	3476192
2006-12-30	1	856971	3476192
2006-12-30	1	988229	3476192
2006-12-30	1	1893263	3476192
2006-12-30	1	1893272	3476192
2006-12-30	1	2187101	3476192
2006-12-30	1	2613516	3476192

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.