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Carolina Bank & Trust Co.


Carolina Bank & Trust Co. is an FDIC insured institution headquartered at 112 Main St, Lamar, SC 29069.
It was founded in 1936 and has approximately $1 billion in assets. Customers can open an account at one of its 16 branches.

Deposit Rates - April 22, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.05% $10,000 Compare
6 Mo CD
0.05% $100,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.25% $10,000 Compare
24 Mo CD
0.25% $100,000 Compare
30 Mo CD
0.25% $10,000 Compare
30 Mo CD
0.25% $100,000 Compare
36 Mo CD
0.25% $10,000 Compare
36 Mo CD
0.25% $100,000 Compare
48 Mo CD
0.40% $10,000 Compare
48 Mo CD
0.40% $100,000 Compare
60 Mo CD
0.56% $10,000 Compare
60 Mo CD
0.56% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.26% $10,000 Compare
Money Market
0.26% $25,000 Compare

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16723
Date Established 1936
Assets $ 784.70 million
Loans $ 574.85 million
Deposits $ 682.45 million
Capital $ 95.92 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 65.87 million
Interest-bearing balances $ 50.73 million
Total securities $ 112.92 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 574.85 million
Loan loss allowance $ 8.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.77 million
Goodwill and other intangibles N.A.
All other assets $ 19.81 million
     Total Assets $ 688.78 million

LIABILITIES
Total deposits $ 682.45 million
      Interest-bearing deposits $ 525.83 million
      Deposits held in domestic offices $ 682.45 million
      % insured (estimated)" 61.46%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 5.10 millionn
      Total Liabilities $ 688.78 million
      Shareholders’ Equity $ 95.92 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 38.75 million
Total Interest Expense $ 10.66 million
Net interest income $ 28.09 million
Provision for loan and lease losses $ 1.30 million
Total non interest income $ 3.42 million
Total non interest expense $ 15.91 million
Pre-tax Net Operating Income $ 5.39 million

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Carolina Bank & Trust Co. Locations

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