Carolina Bank & Trust Co.
Lamar, South Carolina · $845M in assets · beside the 11 other South Carolina banks between $300M and $1B
The filing
Carolina Bank & Trust Co. is the second largest of the 12 South Carolina banks nearest its size between $300M and $1B, with $845M in assets at 30 June 2026. Loans are 83.4% of deposits, 8th of 12 against a median of 72.4%, and equity is 13.1% of assets, 3rd of 12. Loans grew +3.4% in the year, 10th of 12, and deposits grew 4.1%; the cohort's median loan growth is +7.7%.
Noncurrent loans are 0.41% of the book, 7th of 12 against a median of 0.37%; 0.22% is 30 to 89 days past due, and the allowance covers them 3.3 times. Net charge-offs are 0.19% of loans, the highest in the cohort. Commercial real estate is 27.6% of loans, 9th of 12 against a median of 26.3%, and 139% of capital, below the 300% screen, with construction at 32% against the 100% screen.
Return on assets is 1.88%, 2nd of 12 against a median of 1.47%, on an efficiency ratio of 43.2%, 2nd of 12. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.
Commercial real estate against capital
| Carolina Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 139% | 8th of 12 | 129% |
| Construction against capital, the 100% screen | 32% | 4th of 12 | 45% |
| Construction and land development, share of loans | 6.4% | 3rd of 12 | 9.5% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 20.2% | 10th of 12 | 11.9% |
| Total CRE, the guidance definition, share of loans | 27.6% | 9th of 12 | 26.3% |
| CRE growth over 36 months, the third prong | +1.4% | 4th of 12 | +32.9% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $982M | 0.5% | 71.9% | 0.02% | 0.06% | 1.0% | 109.5% | 8.0% | |
| $845M | 1.9% | 43.2% | 0.41% | 0.19% | 1.3% | 83.4% | 13.1% | |
| $832M | 1.1% | 70.1% | 0.60% | 0.01% | 1.0% | 90.2% | 6.8% | |
| $764M | 1.0% | 55.8% | 0.94% | 0.03% | 0.5% | 70.5% | 12.8% | |
| $733M | 1.4% | 76.1% | 0.44% | -0.02% | 0.8% | 66.0% | 6.2% | |
| $679M | 0.7% | 61.2% | 0.33% | 0.00% | 0.7% | 87.4% | 12.3% | |
| $597M | 1.0% | 66.0% | 0.12% | -0.03% | 1.7% | 47.3% | 13.9% | |
| $597M | 1.8% | 53.7% | 0.73% | 0.00% | 1.2% | 124.0% | 28.9% | |
| $571M | 1.6% | 56.2% | 0.29% | 0.00% | 1.2% | 74.3% | 10.6% | |
| $535M | 5.9% | 36.7% | 3.64% | 0.11% | 0.7% | 62.2% | 9.1% | |
| $447M | 1.6% | 62.6% | 0.00% | 0.00% | 1.2% | 70.5% | 11.2% | |
| $438M | 1.5% | 53.0% | 0.01% | 0.01% | 1.0% | 57.9% | 10.9% |
| Carolina Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $416M | $607M | +46% | $286M | $434M | +51% |
| Deposits | $598M | $727M | +22% | $424M | $534M | +26% |
| NPA / loans | 0.11% | 0.41% | +0.30 pts | 0.27% | 0.37% | +0.10 pts |
| Efficiency | 54.9% | 43.2% | -11.6 pts | 67.1% | 58.7% | -8.5 pts |
| ROA | 1.25% | 1.88% | +0.63 pts | 0.99% | 1.47% | +0.48 pts |
This read was prepared for Carolina Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Carolina Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort SC banks $300M to $1B
Institution www.carolinabank.net
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