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Carter Bank & Trust

Carter Bank & Trust is an FDIC insured institution headquartered at 4 Commonwealth Blvd E, Martinsville, VA 24112.
It was founded in 2006 and has approximately $5 billion in assets. Customers can open an account at one of its 123 branches.

Deposit Rates - June 15, 2026

SAVINGS RATES	APY	MIN
Savings	0.10%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.25%	$10,000	Compare
6 Mo CD	0.25%	$100,000	Compare
12 Mo CD	0.30%	$10,000	Compare
12 Mo CD	0.30%	$100,000	Compare
18 Mo CD	0.30%	$10,000	Compare
18 Mo CD	0.30%	$100,000	Compare
24 Mo CD	0.40%	$10,000	Compare
24 Mo CD	0.40%	$100,000	Compare
30 Mo CD	0.40%	$10,000	Compare
30 Mo CD	0.40%	$100,000	Compare
36 Mo CD	0.45%	$10,000	Compare
36 Mo CD	0.45%	$100,000	Compare
48 Mo CD	0.55%	$10,000	Compare
48 Mo CD	0.55%	$100,000	Compare
60 Mo CD	0.60%	$10,000	Compare
60 Mo CD	0.60%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.10%	$2,500	Compare
Money Market	0.10%	$10,000	Compare
Money Market	0.20%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.08%	$2,500

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

PenFed Credit Union
NMLS ID: 401822 / Updated 2026-06-15
Equal Housing Lender

Loans Amounts from $25,000 - $500,000.

Loans Amounts from $25,000 - $500,000.
Get a HELOC from PenFed to Put Your Home Equity to Work.
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans.
Home Equity Line of Credit - Equal Housing Lender.

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

6.244%

$1,945 Fees & Points $4,107 Total
0.660 Pts ($2,112)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 58596
Date Established	2006
Assets	$ 4.83 billion
Loans	$ 3.81 billion
Deposits	$ 4.21 billion
Capital	$ 397.63 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 105.16 million
Interest-bearing balances	$ 68.23 million
Total securities	$ 701.90 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 3.81 billion
Loan loss allowance	$ 71.49 million
Trading account assets	$ 10.18 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 0.14 million
Goodwill and other intangibles	$ 2.13 million
All other assets	$ 147.82 million
Total Assets	$ 4.43 billion

LIABILITIES
Total deposits	$ 4.21 billion
Interest-bearing deposits	$ 4.04 billion
Deposits held in domestic offices	$ 4.21 billion
% insured (estimated)"	81.34%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 10.09 million
Other borrowed funds	$ 6.17 million
Subordinated debt	N.A.
All other liabilities	$ 12.00 millionn
Total Liabilities	$ 4.43 billion
Shareholders’ Equity	$ 397.63 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 232.22 million
Total Interest Expense	$ 101.40 million
Net interest income	$ 130.82 million
Provision for loan and lease losses	N.A.
Total non interest income	$ 22.51 million
Total non interest expense	$ 114.51 million
Pre-tax Net Operating Income	$ 24.73 million

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Branches

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