Carolina Bank & Trust Co. Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.carolinabank.net

843-413-9978

185 West Evans St
Florence, SC 29501

Carolina Bank & Trust Co. is headquartered in LAMAR and is the 17^th largest bank in the state of South Carolina. It is also the 1,295^th largest bank in the nation. It was established in 1936 and as of March of 2025, it had grown to 96 employees at 14 locations. Carolina Bank & Trust Co. has an A+ health rating.

Reviews

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	16723
Year Established	1936
Employees	96
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.35%
Return on Equity - YTD	10.7%
Annual Interest Income	$10.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$762.8MM$720.7MM
Loans	Q1 2025vs Q1 2024	$579.6MM$561MM
Deposits	Q1 2025vs Q1 2024	$656.3MM$617MM
Equity Capital	Q1 2025vs Q1 2024	$99.1MM$91.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$8.1MM$7.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.8MM$2.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$765K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Locations

Availability

Florence Area

Florence Area bank & credit union details

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