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Carter Bank & Trust
Martinsville, VA · FDIC Certificate #58596 · Chartered 12/3
Total assets
$4.80B
Total deposits
$4.20B
Total equity
$541.85M
Net loans
$3.68B
Branches (offices)
66
Net income (YTD)
$87.96M
Rank: #292 of 4,213 U.S. banks by assets · #7 of 56 in Virginia. Assets changed 0.4% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.66% |
| Return on equity | 37.13% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 11.30% |
| Tier 1 leverage ratio | 11.73% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 1.01% |
| Net charge-offs (share of loans) | -0.82% |
| Loans to deposits | 87.7% |
| Real estate loans (share of loans) | 93.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.45B | 93.7% | |
| Commercial & industrial | $172.20M | 4.7% | |
| Consumer / individual | $25.12M | 0.7% | |
| Construction & development | $489.26M | 13.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.12B | $3.75B | $21.33M | $332.95M |
| Jun 2023 | $4.38B | $3.58B | $22.75M | $338.95M |
| Jun 2024 | $4.53B | $3.88B | $11.88M | $360.42M |
| Jun 2025 | $4.78B | $4.23B | $18.83M | $394.75M |
| Jun 2026 | $4.80B | $4.20B | $87.96M | $541.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $3.50B | 51 |
| North Carolina | $695.70M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.20B.
Similar-sized banks
Dacotah Bank ($4.92B) · Hills Bank And Trust Company ($4.79B)
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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