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First Carolina Bank
Rocky Mount, NC·FDIC Cert #35530·Charter: STATE·Est. 20001129.0·HC: FIRST CAROLINA FINL SERVICES
Total Assets
$3.3B
Q4 2025
Return on Assets
0.51%
+0.07%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
79.55%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.51%+0.07
ROE
4.20%+0.59
Efficiency
79.55%-0.22
Equity/Assets
0.00%+0.00
NPL Ratio
0.82%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.79%+6.97
Charge-offs
0.10%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.8 | 0.8 | 0.7 | 0.7 | 0.4 | 0.5 |
| ROE | 8.0 | 7.1 | 7.1 | 7.0 | 5.9 | 5.8 | 3.6 | 4.2 |
| Efficiency | 72.5 | 71.8 | 72.4 | 71.9 | 76.8 | 77.8 | 79.8 | 79.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | 0.7 | 0.7 | 0.7 | 0.7 | 0.9 | 0.8 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 93.5 | 99.3 | 99.8 | 102.1 | 96.7 | 90.8 | 86.8 | 93.8 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.8B
Total Loans$2.6B
Total Equity$405.3M
Profitability
ROA0.51%
ROE4.20%
Efficiency Ratio79.55%
Net Income$16.8M
Risk & Asset Quality
NPL Ratio0.82%
Charge-off Rate0.10%
Loan/Deposit93.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans