$3.73B
+1.1%y/y
Percentile by value54th percentileby value
FDIC
LNLSGRCB
Carter Bank & Trust
Martinsville, VirginiaFDIC Cert #58596
STATEEstablished 200666 branches
Holding company: CARTER BANKSHARES INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $159M |
| Investor CRE | $1.58B |
| Multifamily | $392M |
| Construction | $514M |
| 1–4 family | $816M |
| C&I | $161M |
| Agriculture | $1K |
| Other | $111M |
Loan book
Reported balances and balance-sheet intensity.
$3.68B
+1.7%y/y
Percentile by value54th percentileby value
FDIC
LNLSNET+1.72%
−70.8%y/y
Percentile by value24th percentileby value
FDIC
LNLSNET86.8%
+0.9%y/y
Percentile by value46th percentileby value
FDIC
LNLSNET + DEP76.9%
−0.1%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET + ASSET94.41%
+2.3%y/y
Percentile by value83rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
433%
−11.7%y/y
Percentile by value95th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC90%
−12.9%y/y
Percentile by value92nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,607points
−6.4%y/y
Peer standing24th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD4.26%
+136.5%y/y
Percentile by value19th percentileby value
FDIC
LNRENROW + LNLSGR42.29%
−5.3%y/y
Percentile by value97th percentileby value
FDIC
LNRENROT + LNLSGR4.31%
−24.0%y/y
Percentile by value15th percentileby value
FDIC
LNCI + LNLSGR