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Overview / Commentary
171 North Winstead Avenue
Rocky Mount, NC 27804

First Carolina Bank is headquartered in Rocky Mount and is the 32nd largest bank in the state of North Carolina. It is also the 2,282nd largest bank in the nation. It was established in 2000 and as of September of 2017, it had grown to 34 employees at 4 locations. First Carolina Bank has an A health rating.


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Health Grade Components

FDIC Certificate #35530
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD5.37%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$288.1MM$180.2MM
LoansQ3 2017vs Q3 2016$157.8MM$126.7MM
DepositsQ3 2017vs Q3 2016$257.9MM$156.1MM
Equity CapitalQ3 2017vs Q3 2016$29.5MM$23.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$811.00K$637.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$832.00K$899.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$229.00K

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First Carolina Bank Locations
First Carolina State Bank171 North Winstead AvenueRocky Mount, NC 27804
Reidsville Branch604 South Scales StreetReidsville, NC 27320
Raleigh Branch2626 Glenwood Avenue, Suite 190Raleigh, NC 27608