$2.68B
+1.3%y/y
Percentile by value27th percentileby value
FDIC
LNLSGRFC
First Carolina Bank
Rocky Mount, North CarolinaFDIC Cert #35530
STATEEstablished 20009 branches
Holding company: FIRST CAROLINA FINL SERVICESRegulator: FDIC
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 | $269M |
| Investor CRE | $1.02B |
| Multifamily | $428M |
| Construction | $284M |
| 1–4 family | $353M |
| C&I | $327M |
| Agriculture | $1.34M |
| Other | $1.94M |
Loan book
Reported balances and balance-sheet intensity.
$2.66B
+1.3%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET+1.34%
−88.6%y/y
Percentile by value21st percentileby value
FDIC
LNLSNET89.6%
−7.3%y/y
Percentile by value61st percentileby value
FDIC
LNLSNET + DEP77.9%
−4.3%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET + ASSET88.52%
−0.4%y/y
Percentile by value73rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
483%
−8.6%y/y
Percentile by value98th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC79%
−12.0%y/y
Percentile by value87th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,233points
−7.6%y/y
Peer standing36th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.02%
−0.9%y/y
Percentile by value39th percentileby value
FDIC
LNRENROW + LNLSGR38.01%
−8.2%y/y
Percentile by value93rd percentileby value
FDIC
LNRENROT + LNLSGR12.20%
+5.1%y/y
Percentile by value48th percentileby value
FDIC
LNCI + LNLSGR