Carter Bank & Trust

Carter Bank & Trust of Martinsville, VA, chartered 2006: 66 offices, $4.80bn in assets, a 11.73% leverage ratio. Straight from the federal record.

Carter Bank & Trust is an FDIC-insured bank headquartered in Martinsville, VA, chartered in 2006. It is supervised by the Federal Reserve and held by Carter Bankshares Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Carter Bank & Trust has branches

66 full-service offices across 2 states:

• Virginia: 51 offices in 36 towns, holding $3.52bn at 30 June 2025
• North Carolina: 15 offices in 11 towns, holding $710m at 30 June 2025

Carter Bank & Trust on its latest Call Report, 30 June 2026

• Total assets: $4.80bn
• Total deposits: $4.20bn
• Tier 1 leverage ratio: 11.73%
• Total risk-based capital ratio: 15.60%
• Noncurrent loans, as a share of loans: 1.01%
• Return on assets: 3.66%
• Net interest margin: 3.33%
• Staff: 709

Compare Carter Bank & Trust against every other bank with a branch in Virginia, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.