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 First Carolina Bank
First Carolina Bank
| RSSD ID 2963266 | CERTIFICATE 35530 | ABA NUMBER 53112408 |
| 171 N Winstead Ave |
Quarter Ended : |
2025-12-31 |
| Rocky Mount, North Carolina, 27804 |
Updated : |
2026-02-13 |
| Institution Profile |
| Year Opened : |
2000 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
9 |
Number of Employees : |
276 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,317,401 |
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Total Interest Income | 189,434 |
| Total Liabilities | 2,912,079 |
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Total NonInterest Income | 41,366 |
| Total Bank Equity Capital | 405,322 |
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Total Interest Expense | 86,617 |
| Total Deposits | 2,801,094 |
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Total NonInterest Expense | 117,241 |
| Net Loans & Leases | 2,627,281 |
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Net Income | 16,768 |
| Loan Loss Allowance | 20,893 |
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Net Charge Offs | 2,782 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 349,647 |
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Total loans | 2,727,965 |
| Total assets for the leverage ratio | 3,357,138 |
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Loans secured by real estate: | 2,400,402 |
| Tier 1 Leverage Ratio | 9.68 |
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Commercial and industrial loans | 325,875 |
| Tier 1 Capital Ratio | 11.21 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.06 |
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Loans to individuals - Other | 1,688 |
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:· First Carolina Bank
