Mortgage Lender Index

Carter Bank & Trust

Carter Bank & Trust is a state bank, federal reserve member based in Martinsville, Virginia, with $4.8 billion in assets and $4.2 billion in deposits as of 30 June 2026. The FDIC’s 2026 branch survey counts 66 branches in 38 counties.

FDIC certificate58596
Charter classState bank, Federal Reserve member
EstablishedNot published
Assets$4.8 billion
Deposits$4.2 billion
Offices66
Net income, year to date$88.0 million
Return on assets3.66%
Websitewww.carterbank.com
Mortgage lendingCarter Bank & Trust reported 338 mortgages made in 2025.

Branches by county, 2026

CountyBranchesDeposits
Henry County, VA 5$334.1 million
Franklin County, VA 4$338.3 million
Danville city, VA 4$295.3 million
Guilford County, NC 3$304.7 million
Stafford County, VA 3$174.6 million
Montgomery County, VA 3$137.0 million
Halifax County, VA 2$178.4 million
Roanoke County, VA 2$149.5 million
Pittsylvania County, VA 2$146.2 million
Lynchburg city, VA 2$110.9 million
Mecklenburg County, VA 2$104.3 million
Bedford County, VA 2$91.6 million
Spotsylvania County, VA 2$88.1 million
Rockingham County, NC 2$75.7 million
Iredell County, NC 2$69.2 million
Roanoke city, VA 2$47.1 million
Albemarle County, VA 2$31.8 million
Forsyth County, NC 2$17.3 million
Martinsville city, VA 1$337.3 million
Carroll County, VA 1$175.5 million
Galax city, VA 1$127.6 million
Patrick County, VA 1$113.8 million
Rockbridge County, VA 1$83.2 million
Campbell County, VA 1$80.7 million
Floyd County, VA 1$78.0 million
Surry County, NC 1$70.4 million
Radford city, VA 1$57.0 million
Wythe County, VA 1$49.6 million
Wake County, NC 1$46.5 million
Grayson County, VA 1$46.1 million
Mecklenburg County, NC 1$42.6 million
Pulaski County, VA 1$36.3 million
Amherst County, VA 1$35.8 million
Person County, NC 1$33.5 million
Charlottesville city, VA 1$31.8 million
Vance County, NC 1$22.9 million
Salem city, VA 1$22.2 million
Franklin County, NC 1$12.8 million

Closed since the 2025 survey

1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.