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114 South Main Street
Lamar, SC 29069

Carolina Bank & Trust Co. is headquartered in Lamar and is the 21st largest bank in the state of South Carolina. It is also the 1,728th largest bank in the nation. It was established in 1936 and as of December of 2013, it had grown to 114 employees at 16 locations. Carolina Bank & Trust Co. has a B+ health rating.

Reviews (1)

Cherry Grove Branch

Very friendly staff and excellent service. Very helpful.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Carolina Bank & Trust Co. had $15.27 million in non-current loans and owned real-estate with $46.94 million in equity and loan loss allowances on hand to cover it. This gives Carolina Bank & Trust Co. a Texas Ratio of 32.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Carolina Bank & Trust Co. decreased slightly from 40.35% as of December 31, 2012 to 32.53% as of December 31, 2013, resulting in a positive change of 19.39%.This indicates that the balance sheet and financial strength for Carolina Bank & Trust Co. has improved slightly in recent periods.

Deposit Growth


In the past year, Carolina Bank & Trust Co. has increased its total deposits by $10.1 million, resulting in 3.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carolina Bank & Trust Co. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carolina Bank & Trust Co. has $379 million in assets with $46.94 million in equity, resulting in a capitalization level of 12.39%, which is excellent.

Institution Statistics

FDIC Certificate #16723
Year Established1936
Primary RegulatorFDIC
Assets and Liabilities
Assets$379.00 million
Loans$258.00 million
Deposits$331.96 million
Equity Capital$43.43 million
Loan Loss Allowance$3.51 million
Unbacked Noncurrent Loans$4.12 million
Real Estate Owned$11.15 million
Historic Data - December 2012
Assets$366.98 million
Equity Capital$42.05 million
Loan Loss Allowance$3.24 million
Unbacked Noncurrent Loans$4.12 million
Real Estate Owned$12.85 million
Profit Margin - Quarterly
Net Interest Margin4.16%
Return on Assets0.51%
Return on Equity4.44%
Interest Income$14.89 million

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Carolina Bank & Trust Co. has 16 locations. Click to view all Carolina Bank & Trust Co. locations.