American Bank of the Carolinas
Monroe, NC
IDRSSD: 5230790
Total Assets
$200.87M
Latest filing
Total Deposits
$172.57M
Latest filing
Net Interest Margin
4.92%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 11/14/2025 |
| CERT | 59157 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $200.87M |
| Total Deposits | $172.57M |
| Total Liabilities | $176.72M |
| Total Equity Capital | $24.15M |
| Net Income | $716.00k |
| Net Loans and Leases | $149.51M |
| Assets Per Employee ($Millions) | $6.7M |
| Bank Premises and Fixed Assets | $3.74M |
| Cash and Balances due from Depository Institutions | $4.39M |
| Deposits Held in Domestic Offices | $172.57M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 12.09% |
| Net Interest Margin | 4.92% |
| Efficiency Ratio | 60.11% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.021% |
| Earning Assets to total Assets | 95.14% |
Income and Expense
| Total Interest Income | $3.04M |
| Total Noninterest Income | $149.00k |
| Total Interest Expense | $721.00k |
| Total Noninterest Expense | $1.49M |
| Net Interest Income | $2.32M |
| Pre-tax Net Operating Income | $920.00k |
| Provision for Credit Losses | $66.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.44M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.15M |
| Total Liabilities and Capital | $200.87M |
Securities
| Securities | $31.76M |
| Available-for-sale debt securities | $31.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$200.87M as of the latest filing.
How much are American Bank of the Carolinas's total deposits?
$172.57M in total deposits.
Where is American Bank of the Carolinas located?
Monroe, NC.
What is the Net Interest Margin?
4.92%.
How many domestic offices does it operate?
3.
When was it established?
05/20/2019.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$149.51M (latest filing).
What is the total interest income (latest filing)?
$3.04M.