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Carter Bank & Trust
Martinsville, VA·FDIC Cert #58596·Charter: STATE·Est. 20061230.0·HC: CARTER BANKSHARES INC
Total Assets
$4.8B
Q4 2025
Return on Assets
0.72%
+0.02%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
74.58%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
45
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.72%+0.02
ROE
8.70%+0.22
Efficiency
74.58%+0.78
Equity/Assets
0.00%+0.00
NPL Ratio
6.41%-0.47
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.41%+1.17
Charge-offs
0.01%-0.00
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 | 0.6 | 0.5 | 0.5 | 0.6 | 0.8 | 0.8 | 0.7 | 0.7 |
| ROE | 7.3 | 6.7 | 6.7 | 7.4 | 9.9 | 9.7 | 8.5 | 8.7 |
| Efficiency | 76.7 | 78.1 | 78.3 | 79.1 | 74.1 | 75.1 | 73.8 | 74.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 9.0 | 8.7 | 8.2 | 7.3 | 7.2 | 6.8 | 6.9 | 6.4 |
| Charge-offs | 0.1 | 0.0 | 0.6 | 0.5 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 89.1 | 88.9 | 86.1 | 85.4 | 86.0 | 86.9 | 89.2 | 90.4 |
Balance Sheet
Total Assets$4.8B
Total Deposits$4.2B
Total Loans$3.8B
Total Equity$397.6M
Profitability
ROA0.72%
ROE8.70%
Efficiency Ratio74.58%
Net Income$34.2M
Risk & Asset Quality
NPL Ratio6.41%
Charge-off Rate0.01%
Loan/Deposit90.41%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans