First Carolina Bank is a bank based in Rocky Mount, North Carolina, established in 2000, with $3.4 billion in total assets across 9 branches. By Trust Grade it ranks 14th of 38 banks we track in North Carolina. Its capital ratio of 12.1% is stronger than 78% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against First Carolina Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Carolina Bank compares to North Carolina peers
How we graded First Carolina Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.1% capital ratio)
- Profitable (ROA 0.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Carolina Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 604 S Scales St, Reidsville, NC 27320
- 2626 Glenwood Ave Ste 190, Raleigh, NC 27608
- 1405 Bradford View Dr, Cary, NC 27519
- 5815 Oleander Dr, Wilmington, NC 28403
- 1864 Laskin Rd, Virginia Beach, VA 23454
- 3000 Devine St, Columbia, SC 29205
- 125 Glenridge Point Pkwy, Atlanta, GA 30342
- 522 N Church St, Greenville, SC 29601
- 171 N Winstead Ave, Rocky Mount, NC 27804
Are deposits at First Carolina Bank insured?
Yes. First Carolina Bank is an FDIC-insured bank (FDIC certificate #35530). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Carolina Bank: frequently asked questions
Is First Carolina Bank a good bank?
First Carolina Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (12.1% capital ratio); Profitable (ROA 0.83%).
Is First Carolina Bank FDIC-insured?
Yes. First Carolina Bank is a FDIC-insured bank (FDIC certificate #35530). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Carolina Bank?
First Carolina Bank holds $3.4 billion in total assets, ranking 14th of 38 banks we track in North Carolina. It operates 9 branches.
Does First Carolina Bank have CFPB complaints?
No CFPB complaints against First Carolina Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
