American Bank of the Carolinas
Monroe, NC
IDRSSD: 5230790
Total Assets
$212.12M
Latest filing
Total Deposits
$182.89M
Latest filing
Net Interest Margin
5.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Bank of the Carolinas
312 N Charlotte Ave
Monroe, NC 28112
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/20/2019FDIC Certificate 604027
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Bank of the Carolinas (Main) | 312 N Charlotte Ave | Monroe, NC |
| INDIAN TRAIL BRANCH | 118 Matthews Indian Trail Rd | Indian Trail, NC |
| MARSHVILLE BRANCH | 7003 East Marshville Boulevard | Marshville, NC |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/20/2019 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28112 |
| State and County Number | 37179 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Charlotte-Concord-Gastonia, NC-SC |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/20/2019 |
| Primary Insurance Agency | DIF |
| Website | www.abc-nc.com |
| Data Updated | 01/30/2026 |
| CERT | 59157 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.12M |
| Total Deposits | $182.89M |
| Total Liabilities | $187.25M |
| Total Equity Capital | $24.87M |
| Net Income | $798.00k |
| Net Loans and Leases | $151.49M |
| Assets Per Employee ($Millions) | $6.84M |
| Bank Premises and Fixed Assets | $3.67M |
| Cash and Balances due from Depository Institutions | $17.92M |
| Deposits Held in Domestic Offices | $182.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.55% |
| Return on Equity (ROE) | 13.02% |
| Net Interest Margin | 5.19% |
| Efficiency Ratio | 63.07% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.725% |
| Earning Assets to total Assets | 95.23% |
Income and Expense
| Total Interest Income | $3.29M |
| Total Noninterest Income | $169.00k |
| Total Interest Expense | $735.00k |
| Total Noninterest Expense | $1.72M |
| Net Interest Income | $2.55M |
| Pre-tax Net Operating Income | $1.04M |
| Provision for Credit Losses | $-38,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.88M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.36M |
| Total Liabilities and Capital | $212.12M |
Securities
| Securities | $31.13M |
| Available-for-sale debt securities | $31.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank of the Carolinas?
$212.12M as of the latest filing.
How much are American Bank of the Carolinas's total deposits?
$182.89M in total deposits.
Where is American Bank of the Carolinas located?
Monroe, NC.
What is the Net Interest Margin?
5.19%.
How many domestic offices does it operate?
3.
When was it established?
05/20/2019.
What is the Return on Assets (ROA)?
1.55%.
How much are total loans and leases?
$151.49M (latest filing).
What is the total interest income (latest filing)?
$3.29M.