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 American Bank of the Carolinas
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American Bank of the Carolinas
| RSSD ID 5230790 | CERTIFICATE 59157 | ABA NUMBER 53112932 |
| 312 N Charlotte Ave |
Quarter Ended : |
2026-06-30 |
| Monroe, North Carolina, 28112 |
Updated : |
2026-07-27 |
| www.abc-nc.com |
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| Institution Profile |
| Year Opened : |
2019 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
31 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 214,049 |
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Total Interest Income | 6,528 |
| Total Liabilities | 187,714 |
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Total NonInterest Income | 256 |
| Total Bank Equity Capital | 26,335 |
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Total Interest Expense | 1,451 |
| Total Deposits | 183,791 |
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Total NonInterest Expense | 3,075 |
| Net Loans & Leases | 166,552 |
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Net Income | 1,619 |
| Loan Loss Allowance | 1,670 |
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Net Charge Offs | 0 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 163,769 |
| Total assets for the leverage ratio | 228,156 |
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Loans secured by real estate: | 151,102 |
| Tier 1 Leverage Ratio | 12.27 |
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Commercial and industrial loans | 11,039 |
| Off Balance Sheet Exposures (%) | 3.66 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,642 |
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:· American Bank of the Carolinas
