Carolina Bank & Trust Co.
Lamar, SC
IDRSSD: 355120
Total Assets
$831.51M
Latest filing
Total Deposits
$721.32M
Latest filing
Net Interest Margin
4.08%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Carolina Bank & Trust Co.
112 Main St
Lamar, SC 29069
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/03/1936FDIC Certificate 10845
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Carolina Bank & Trust Co. (Main) | 112 Main St | Lamar, SC |
| BENNETTSVILLE BRANCH | 243 E Main St | Bennettsville, SC |
| CHESTERFIELD BRANCH | 166 Olde Towne Center | Chesterfield, SC |
| MULLINS MAIN BRANCH | 110 W Mcintyre St | Mullins, SC |
| DARLINGTON BRANCH | 103 N Main St | Darlington, SC |
| QUINBY BRANCH | 408 E Ashby Rd | Quinby, SC |
| HARTSVILLE BRANCH | 525 S 5th St | Hartsville, SC |
| CHERAW BRANCH | 320 Chesterfield Hwy | Cheraw, SC |
Showing 7 of 13
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 | 03/03/1936 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29069 |
| State and County Number | 45031 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Florence, SC |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 14 |
| 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 | 08/16/1948 |
| Primary Insurance Agency | DIF |
| Website | www.carolinabank.net |
| Data Updated | 11/14/2025 |
| CERT | 16723 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $831.51M |
| Total Deposits | $721.32M |
| Total Liabilities | $728.26M |
| Total Equity Capital | $103.25M |
| Net Income | $3.26M |
| Net Loans and Leases | $574.59M |
| Assets Per Employee ($Millions) | $9.04M |
| Bank Premises and Fixed Assets | $9.03M |
| Cash and Balances due from Depository Institutions | $108.57M |
| Deposits Held in Domestic Offices | $721.32M |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 12.82% |
| Net Interest Margin | 4.08% |
| Efficiency Ratio | 49.89% |
| Tier 1 Risk-Based Capital Ratio | 19.76% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.417% |
| Earning Assets to total Assets | 95.15% |
Income and Expense
| Total Interest Income | $10.88M |
| Total Noninterest Income | $924.00k |
| Total Interest Expense | $2.94M |
| Total Noninterest Expense | $4.42M |
| Net Interest Income | $7.94M |
| Pre-tax Net Operating Income | $4.14M |
| Provision for Credit Losses | $300.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.94M |
| Total Liabilities and Capital | $831.51M |
Securities
| Securities | $117.73M |
| Available-for-sale debt securities | $116.72M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.02M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Carolina Bank & Trust Co.?
$831.51M as of the latest filing.
How much are Carolina Bank & Trust Co.'s total deposits?
$721.32M in total deposits.
Where is Carolina Bank & Trust Co. located?
Lamar, SC.
What is the Net Interest Margin?
4.08%.
How many domestic offices does it operate?
14.
When was it established?
03/03/1936.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$574.59M (latest filing).
What is the total interest income (latest filing)?
$10.88M.