7.13%
+772.0%y/y
Peer standing100th percentile
FDIC
NETINC + ROACB
Carter Bank & Trust
Martinsville, VirginiaFDIC Cert #58596
STATEEstablished 200666 branches
Holding company: CARTER BANKSHARES INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
77.85%
+686.6%y/y
Peer standing100th percentile
FDIC
NETINC + ROE9.14%
+808.8%y/y
Peer standing100th percentile
FDIC
PTAXNETINC + ASSET3.15%
+14.9%y/y
Peer standing26th percentile
FDIC
NIM + NIMY5.19%
+1.8%y/y
Peer standing35th percentile
FDIC
INTINCY2.29%
−10.4%y/y
Peer standing74th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
28.28%
−61.8%y/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.49%
+5.9%y/y
Peer standing41st percentile
FDIC
NONIX + ASSET65.96%
+251.9%y/y
Percentile by value97th percentileby value
FDIC
NONII + NIM+1.81%
−42.0%y/y
Percentile by value26th percentileby value
FDIC
ASSET+0.84%
−91.3%y/y
Percentile by value23rd percentileby value
FDIC
DEP+1.72%
−70.8%y/y
Percentile by value24th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA7.13%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE77.85%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.15%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.28%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+0.84%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+1.72%24th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%49th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ10.68%58th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.29%74th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC433%95th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA7.13%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.12%90th 1.65%Observations 57
ROE
FDIC
NETINC + ROE77.85%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.40%Median 9.51%90th 14.96%Observations 57
NIM
FDIC
NIM + NIMY3.15%20th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.73%90th 4.54%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.28%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.41%Median 64.85%90th 85.85%Observations 57
Deposits YoY
FDIC
DEP+0.84%27th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.31%Median +4.47%90th +15.81%Observations 56
Loans YoY
FDIC
LNLSNET+1.72%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.80%Median +4.87%90th +17.53%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.51%90th 1.73%Observations 56
Leverage
FDIC
RBC1AAJ10.68%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.25%Median 11.03%90th 18.03%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.29%60th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.44%90th 3.50%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC433%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 205%90th 331%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA7.13%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.16%Median 1.60%90th 4.96%Observations 5
ROE
FDIC
NETINC + ROE77.85%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.21%Median 13.65%90th 53.65%Observations 5
NIM
FDIC
NIM + NIMY3.15%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.10%90th 4.29%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR28.28%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 33.92%Median 52.14%90th 66.73%Observations 5
Deposits YoY
FDIC
DEP+0.84%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.60%Median +5.63%90th +11.38%Observations 5
Loans YoY
FDIC
LNLSNET+1.72%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.94%Median +3.13%90th +12.97%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.64%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.44%Median 0.72%90th 2.24%Observations 5
Leverage
FDIC
RBC1AAJ10.68%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.83%Median 10.26%90th 11.46%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.29%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.53%90th 2.78%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC433%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 200%Median 239%90th 385%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.