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American Bank Of The Carolinas
Monroe, NC · FDIC Certificate #59157 · Chartered 05/2
Total assets
$214.05M
Total deposits
$183.79M
Total equity
$26.34M
Net loans
$166.55M
Branches (offices)
3
Net income (YTD)
$1.62M
Rank: #2,889 of 4,213 U.S. banks by assets · #28 of 38 in North Carolina. Assets changed 8.0% and deposits 7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 12.65% |
| Net interest margin (YTD) | 4.78% |
| Equity to assets | 12.30% |
| Tier 1 leverage ratio | 12.27% |
| Uninsured deposits (share of deposits) | 31.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.6% |
| Real estate loans (share of loans) | 94.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $156.88M | 94.2% | |
| Commercial & industrial | $10.07M | 6.0% | |
| Consumer / individual | $1.52M | 0.9% | |
| Construction & development | $16.01M | 9.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.66M | $123.07M | -$9.00K | $15.86M |
| Jun 2023 | $146.64M | $126.28M | $1.09M | $17.01M |
| Jun 2024 | $182.84M | $158.74M | $1.35M | $20.48M |
| Jun 2025 | $198.18M | $170.77M | $1.11M | $23.24M |
| Jun 2026 | $214.05M | $183.79M | $1.62M | $26.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $183.79M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.79M.
Similar-sized banks
Burling Bank ($214.19M) · Aroostook County Federal Savings And Loan Association ($213.98M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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