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 The Bank of Charlotte County
The Bank of Charlotte County
| RSSD ID 667524 | CERTIFICATE 14491 | ABA NUMBER 51404752 |
| 101 Berkley Street |
Quarter Ended : |
2025-12-31 |
| Phenix, Virginia, 23959 |
Updated : |
2026-01-28 |
| www.bankofcharlotte.com |
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| Institution Profile |
| Year Opened : |
1912 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
6 |
Number of Employees : |
47 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 228,115 |
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Total Interest Income | 11,435 |
| Total Liabilities | 204,671 |
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Total NonInterest Income | 916 |
| Total Bank Equity Capital | 23,444 |
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Total Interest Expense | 2,207 |
| Total Deposits | 203,724 |
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Total NonInterest Expense | 6,511 |
| Net Loans & Leases | 141,720 |
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Net Income | 2,647 |
| Loan Loss Allowance | 1,569 |
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Net Charge Offs | 87 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 26,819 |
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Total loans | 144,374 |
| Total assets for the leverage ratio | 229,215 |
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Loans secured by real estate: | 133,593 |
| Tier 1 Leverage Ratio | 10.99 |
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Commercial and industrial loans | 6,868 |
| Tier 1 Capital Ratio | 16.87 |
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Loans to individuals - Credit Cards | 383 |
| Total Capital Ratio | 17.97 |
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Loans to individuals - Other | 3,079 |
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:· The Bank of Charlotte County
