Carter Bank & Trust
Martinsville, VA
IDRSSD: 3476192
Total Assets
$4.83B
Latest filing
Total Deposits
$4.21B
Latest filing
Net Interest Margin
3.02%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051403957MARTINSVILLE, VA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Carter Bank & Trust
4 Commonwealth Blvd E
Martinsville, VA 24112
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/30/2006FDIC Certificate 457578
Branches (66)
Page 1 of 10| Name | Address | City / State |
|---|---|---|
| Carter Bank & Trust (Main) | 4 Commonwealth Blvd E | Martinsville, VA |
| FALMOUTH BRANCH | 175 Warrenton Rd | Falmouth, VA |
| ROCKY MOUNT BRANCH | 400 Franklin St | Rocky Mount, VA |
| BASSETT BRANCH | 2770 Riverside Dr | Bassett, VA |
| RIVERSIDE DRIVE BRANCH | 141 Westover Dr | Danville, VA |
| FLOYD BRANCH | 213 N Locust St | Floyd, VA |
| LEXINGTON BRANCH | 116 E Midland Trl | Lexington, VA |
| CHRISTIANSBURG BRANCH | 200 College St | Christiansburg, VA |
Showing 7 of 66
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/30/2006 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 24112 |
| State and County Number | 51089 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Martinsville, VA |
Operational Info
| Number of Employees | 691 |
| Domestic Offices | 67 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/27/2025 |
| Date of Deposit Insurance | 12/30/2006 |
| Primary Insurance Agency | DIF |
| Website | www.carterbank.com |
| Data Updated | 01/30/2026 |
| CERT | 58596 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.83B |
| Total Deposits | $4.21B |
| Total Liabilities | $4.43B |
| Total Equity Capital | $397.63M |
| Net Income | $9.27M |
| Net Loans and Leases | $3.81B |
| Assets Per Employee ($Millions) | $7.02M |
| Bank Premises and Fixed Assets | $77.91M |
| Cash and Balances due from Depository Institutions | $105.16M |
| Deposits Held in Domestic Offices | $4.21B |
Key Performance Ratios
| Return on Assets (ROA) | 0.77% |
| Return on Equity (ROE) | 9.25% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 76.83% |
| Tier 1 Risk-Based Capital Ratio | 10.232% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.231% |
| Earning Assets to total Assets | 94.98% |
Income and Expense
| Total Interest Income | $59.30M |
| Total Noninterest Income | $4.80M |
| Total Interest Expense | $24.69M |
| Total Noninterest Expense | $30.34M |
| Net Interest Income | $34.60M |
| Pre-tax Net Operating Income | $11.32M |
| Provision for Credit Losses | $-2,258,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $142.00k |
| Other borrowed funds | $189.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.64M |
| Total Liabilities and Capital | $4.83B |
Securities
| Securities | $701.90M |
| Available-for-sale debt securities | $691.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $10.18M |
| Trading Liabilities | $10.09M |
Frequently Asked Questions
What are the total assets of Carter Bank & Trust?
$4.83B as of the latest filing.
How much are Carter Bank & Trust's total deposits?
$4.21B in total deposits.
Where is Carter Bank & Trust located?
Martinsville, VA.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
67.
When was it established?
12/30/2006.
What is the Return on Assets (ROA)?
0.77%.
How much are total loans and leases?
$3.81B (latest filing).
What is the total interest income (latest filing)?
$59.30M.