FIRST CAROLINA BANK
ROCKY MOUNT, NORTH CAROLINA · FDIC Cert #35530
Capital & Safety Analysis
According to FDIC financial data, FIRST CAROLINA BANK holds a Tier 1 capital ratio of 11.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST CAROLINA BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST CAROLINA BANK shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST CAROLINA BANK has a Bank Health Score of C (63/100). It holds a Tier 1 capital ratio of 11.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST CAROLINA BANK holds $3.0B in total assets and $2.5B in total deposits. It is located in ROCKY MOUNT, NORTH CAROLINA (FDIC Certificate #35530).
FIRST CAROLINA BANK has a Tier 1 capital ratio of 11.10%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.68%, and the return on assets is 1.01%.
Yes. FIRST CAROLINA BANK is FDIC-insured (Certificate #35530). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.