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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 - July 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




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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