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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 - August 19, 2026

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 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 16723
Date Established	1936
Assets	$ 886.38 million
Loans	$ 580.18 million
Deposits	$ 774.28 million
Capital	$ 105.50 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 123.04 million
Interest-bearing balances	$ 108.92 million
Total securities	$ 152.35 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 580.18 million
Loan loss allowance	$ 8.17 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 19.81 million
Total Assets	$ 780.87 million

LIABILITIES
Total deposits	$ 774.28 million
Interest-bearing deposits	$ 561.82 million
Deposits held in domestic offices	$ 774.28 million
% insured (estimated)"	54.91%
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	$ 780.87 million
Shareholders’ Equity	$ 105.50 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 42.87 million
Total Interest Expense	$ 11.66 million
Net interest income	$ 31.21 million
Provision for loan and lease losses	$ 2.08 million
Total non interest income	$ 3.64 million
Total non interest expense	$ 16.99 million
Pre-tax Net Operating Income	$ 5.39 million

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Branches

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