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Overview / Commentary
901 East Main Street
Lincolnton, NC 28092

Carolina Trust Bank is headquartered in Lincolnton and is the 26th largest bank in the state of North Carolina. It is also the 1,836th largest bank in the nation. It was established in 2000 and as of December of 2016, it had grown to 80 employees at 9 locations. Carolina Trust Bank has an A health rating.

Reviews (1)

Personal Touch

Posted by: jjwill | Jun 23, 2012

I have dealt with Carolina Trust for over 6 yrs and have been extremely pleased with their personal touch and the best interest rates for CD's available in this terrible time.  I would highly recommend this institute.


Health Grade Components

FDIC Certificate #57026
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.76%
Annual Interest Income$16.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$374.9MM$334.0MM
LoansQ4 2016vs Q4 2015$305.1MM$288.6MM
DepositsQ4 2016vs Q4 2015$319.4MM$284.8MM
Equity CapitalQ4 2016vs Q4 2015$37.9MM$30.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.4MM$3.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.9MM$2.2MM
Real Estate OwnedQ4 2016vs Q4 2015$1.0MM$2.0MM
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Carolina Trust Bank Savings Account Rates

0.60%*-$25kKASASA Saver
OTHER TIERS: 0.20% $25k+

Carolina Trust Bank Checking Account Rates

2.00%*-$15kKASASA Cash
OTHER TIERS: 0.19% $15k+

Carolina Trust Bank Locations
Triangle Branch1293 Highway 16 NorthDenver, NC 28037
Gastonia Branch534 South New Hope RoadGastonia, NC 28054
West Branch799 W Highway 27Lincolnton, NC 28092
Carolina Trust Bank901 East Main StreetLincolnton, NC 28092
Vale Branch9580 N.c. Highway 10 WestVale, NC 28168
Forest City Branch142 N. Watkins DriveForest City, NC 28043
Hickory Branch1430 2nd Street NeHickory, NC 28601
Lake Lure Branch103 Arcade StreetLake Lure, NC 28746