Is Bank of Charlotte County Safe?
Bank of Charlotte County has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (64/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.17% | 100/100 |
| Nonperforming Loan Ratio | 0.09% | 98/100 |
| Liquidity Ratio | 20.91% | 64/100 |
| Return on Assets | 1.70% | 88/100 |
| Total Assets | $0.2B | |
How does Bank of Charlotte County compare?
With a Bank Health Score of 89/100, Bank of Charlotte County sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Virginia, where 49 FDIC-insured banks are headquartered, Bank of Charlotte County ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 16.17% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.09% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Charlotte County's Bank Health Score held roughly steady at 89/100. Tier 1 capital weakened by 1.78 percentage points to 16.17%. Quarter-over-quarter, the score rose by 4.0 points.
Bank of Charlotte County has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (64/100).