American Bank of the Carolinas
Total assets
$214.0M
▲ +8.0% YoY
Deposits
$183.8M
▲ +7.6% YoY
Loans
$166.6M
▲ +17.8% YoY
Offices
3
ROA (annualized)
1.45%
peers 1.24%
ROE (annualized)
12.65%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +7.6% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
Profile
- Established
- 2019
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 312 N Charlotte Ave, Monroe, NC, 28112
- County
- Union
- Metro area
- Charlotte-Concord-Gastonia, NC-SC
- Offices
- 3
- FDIC cert #
- 59157
- RSSD ID
- 5230790
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $214.0M | $183.8M | $166.6M | $26.3M | $1.6M | 1.45% | 4.78% | 0.00% |
| Q1 2026 | $242.6M | $212.9M | $156.4M | $25.6M | $795K | 1.40% | 4.52% | 0.00% |
| Q4 2025 | $212.1M | $182.9M | $151.5M | $24.9M | $2.6M | 1.31% | 4.79% | 0.00% |
| Q3 2025 | $200.9M | $172.6M | $149.5M | $24.1M | $1.8M | 1.24% | 4.67% | 0.00% |
| Q2 2025 | $198.2M | $170.8M | $141.4M | $23.2M | $1.1M | 1.14% | 4.55% | 0.00% |
| Q1 2025 | $192.4M | $165.8M | $136.5M | $22.4M | $507K | 1.04% | 4.43% | 0.00% |
| Q4 2024 | $197.0M | $172.4M | $127.0M | $21.3M | $2.3M | 1.29% | 4.52% | 0.00% |
| Q3 2024 | $188.7M | $163.1M | $121.3M | $21.8M | $1.8M | 1.40% | 4.56% | 0.00% |
Loan mix (Q2 2026): real estate $156.9M · commercial $10.1M · consumer $1.5M · securities $31.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.96% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 62.9% | 34th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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