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First Carolina Bank
Rocky Mount, NC · FDIC Certificate #35530 · Chartered 11/2
Total assets
$3.41B
Total deposits
$2.87B
Total equity
$455.60M
Net loans
$2.72B
Branches (offices)
9
Net income (YTD)
$13.14M
Rank: #378 of 4,213 U.S. banks by assets · #9 of 38 in North Carolina. Assets changed 0.6% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.78% |
| Return on equity | 6.19% |
| Net interest margin (YTD) | 3.39% |
| Equity to assets | 13.38% |
| Tier 1 leverage ratio | 11.36% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 0.81% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.8% |
| Real estate loans (share of loans) | 89.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.43B | 89.2% | |
| Commercial & industrial | $313.06M | 11.5% | |
| Consumer / individual | $2.05M | 0.1% | |
| Construction & development | $325.38M | 12.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.74B | $1.33B | $11.01M | $294.79M |
| Jun 2023 | $2.52B | $2.04B | $12.04M | $312.20M |
| Jun 2024 | $2.98B | $2.54B | $11.77M | $338.67M |
| Jun 2025 | $3.39B | $2.95B | $11.63M | $405.71M |
| Jun 2026 | $3.41B | $2.87B | $13.14M | $455.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $2.54B | 5 |
| Virginia | $193.82M | 1 |
| Georgia | $107.90M | 1 |
| South Carolina | $24.08M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.87B.
Similar-sized banks
Bankwell Bank ($3.47B) · Northrim Bank ($3.40B)
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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