First Carolina Bank
Rocky Mount, NC
IDRSSD: 2963266
Total Assets
$3.32B
Latest filing
Total Deposits
$2.80B
Latest filing
Net Interest Margin
3.37%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Carolina Bank
171 N Winstead Ave
Rocky Mount, NC 27804
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/29/2000FDIC Certificate 81325
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Carolina Bank (Main) | 171 N Winstead Ave | Rocky Mount, NC |
| REIDSVILLE BRANCH | 604 S Scales St | Reidsville, NC |
| RALEIGH BRANCH | 2626 Glenwood Ave Ste 190 | Raleigh, NC |
| CARY BRANCH | 1405 Bradford View Dr | Cary, NC |
| WILMINGTON BRANCH | 5815 Oleander Dr | Wilmington, NC |
| VA BEACH BRANCH | 1864 Laskin Rd | Virginia Beach, VA |
| COLUMBIA BRANCH | 3000 Devine St | Columbia, SC |
| ATLANTA BRANCH | 125 Glenridge Point Pkwy | Atlanta, GA |
Showing 7 of 8
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 | 11/29/2000 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 27804 |
| State and County Number | 37127 |
| 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 | Rocky Mount, NC |
Operational Info
| Number of Employees | 297 |
| Domestic Offices | 9 |
| 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 | 11/29/2000 |
| Primary Insurance Agency | DIF |
| Website | www.firstcarolinabank.com |
| Data Updated | 01/30/2026 |
| CERT | 35530 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.32B |
| Total Deposits | $2.80B |
| Total Liabilities | $2.91B |
| Total Equity Capital | $405.32M |
| Net Income | $6.00M |
| Net Loans and Leases | $2.63B |
| Assets Per Employee ($Millions) | $12.02M |
| Bank Premises and Fixed Assets | $43.42M |
| Cash and Balances due from Depository Institutions | $132.21M |
| Deposits Held in Domestic Offices | $2.80B |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 5.99% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 73.41% |
| Tier 1 Risk-Based Capital Ratio | 11.211% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.218% |
| Earning Assets to total Assets | 92.41% |
Income and Expense
| Total Interest Income | $48.48M |
| Total Noninterest Income | $7.38M |
| Total Interest Expense | $21.79M |
| Total Noninterest Expense | $27.55M |
| Net Interest Income | $26.69M |
| Pre-tax Net Operating Income | $7.69M |
| Provision for Credit Losses | $-1,172,000 |
| 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 | $75.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.91M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.98M |
| Total Liabilities and Capital | $3.32B |
Securities
| Securities | $312.09M |
| Available-for-sale debt securities | $312.09M |
| 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 First Carolina Bank?
$3.32B as of the latest filing.
How much are First Carolina Bank's total deposits?
$2.80B in total deposits.
Where is First Carolina Bank located?
Rocky Mount, NC.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
9.
When was it established?
11/29/2000.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$2.63B (latest filing).
What is the total interest income (latest filing)?
$48.48M.