AMERICAN BANK OF THE CAROLINAS

MONROE, NC · Supervised by FDIC

Est. 2019FDIC #59,157RSSD: FDIC-59157

Satisfactory

Current rating · Exam: October 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.40%

Institution Profile

FDIC BankFind

Website

www.abc-nc.com

Address

312 N Charlotte Ave, MONROE, NC

County

Union County

Established

May 20, 2019

Total Assets

$243M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$243M

Total Deposits

$213M

Net Loans

$156M

Net Income

$795K

ROA

1.40%

ROE

12.60%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$171M

1-Year Change

5-year net change: +1 branches

This is the only examination on record for this bank.

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