FIRST CAROLINA BANCSHARES CORP is the parent banking group. CAROLINA BANK & TRUST CO. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST CAROLINA BANCSHARES CORP

Legal name: FIRST CAROLINA BANCSHARES CORPORATION

1 active bank · $831M combined assets

RSSD ID: 1076525 (FFIEC NIC)

Combined Assets

$831M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCAROLINA BANK & TRUST CO.LAMAR, SCSatisfactory$831MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$831M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$714M

Net Income

$4M

ROA (avg)

1.68%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

155

Origination Rate

74.84%

Denial Rate

8.39%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CAROLINA BANK & TRUST CO.	LAMAR, SC	FDIC	$831M	100.0%	Satisfactory	Apr 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.