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 American Bank of the Carolinas
American Bank of the Carolinas
| RSSD ID 5230790 | CERTIFICATE 59157 | ABA NUMBER 53112932 |
| 312 N Charlotte Ave |
Quarter Ended : |
2025-12-31 |
| Monroe, North Carolina, 28112 |
Updated : |
2026-02-10 |
| 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 | 212,117 |
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Total Interest Income | 11,990 |
| Total Liabilities | 187,246 |
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Total NonInterest Income | 554 |
| Total Bank Equity Capital | 24,871 |
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Total Interest Expense | 2,887 |
| Total Deposits | 182,889 |
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Total NonInterest Expense | 6,091 |
| Net Loans & Leases | 151,488 |
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Net Income | 2,626 |
| Loan Loss Allowance | 1,493 |
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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 | 153,469 |
| Total assets for the leverage ratio | 211,957 |
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Loans secured by real estate: | 141,368 |
| Tier 1 Leverage Ratio | 12.44 |
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Commercial and industrial loans | 10,582 |
| Off Balance Sheet Exposures (%) | 4.45 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,497 |
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:· American Bank of the Carolinas
