🏦Bank Scorer

CARTER BANK & TRUST

MARTINSVILLE, VA · Supervised by FDIC

Est. 2006FDIC #58,596RSSD: FDIC-58596
Part ofCARTER BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 7.13%

Institution Profile

FDIC BankFind

Address

4 Commonwealth Blvd E, MARTINSVILLE, VA

County

Henry County

Established

December 30, 2006

Total Assets

$4.8B(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

May 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.8B

Total Deposits

$4.2B

Net Loans

$3.7B

Net Income

$86M

ROA

7.13%

ROE

77.85%

Risk-Based Capital

14.28%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate28.16%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

67

Branch Deposits

$4.2B

1-Year Change

0

5-year net change: -32 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202449062.04%28.16%
202351059.61%29.80%
202261665.75%25.65%
202147467.72%21.73%
202052565.33%20.95%
201940766.09%18.67%
201831965.83%16.93%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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