Bank · FDIC insured
First Carolina Bank
A $3.4B bank, the 374th largest of 4,207, headquartered in Rocky Mount, NC, with 9 branches in 4 states. Best rates: savings 3.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings893.00%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Carolina Bank
Headquartered in Rocky Mount, North Carolina, First Carolina Bank operates nine branch locations across North Carolina, South Carolina, Georgia, and Virginia.
Acquired by North Carolina investors in 2012, the institution expanded its digital banking and higher education services by completing an acquisition of BM Technologies in 2025.
The bank provides wealth management and trust services through its First Carolina Wealth division and a partnership with Capital Investment Companies.
- Headquarters
- 171 N Winstead Ave, Rocky Mount, NC 27804
- FDIC certificate
- 35530 ↗
Branches
9 branches in 4 states
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North Carolina
5 branches
Raleigh area · 2
- Cary Branch1405 Bradford View Dr, Cary, NC 27519Directions
- Raleigh Branch2626 Glenwood Ave Ste 190, Raleigh, NC 27608Directions
Rocky Mount area · 1
- First Carolina BankMain office171 N Winstead Ave, Rocky Mount, NC 27804Directions
Greensboro area · 1
- Reidsville Branch604 S Scales St, Reidsville, NC 27320Directions
Wilmington area · 1
- Wilmington Branch5815 Oleander Dr, Wilmington, NC 28403Directions
South Carolina
2 branches
Columbia area · 1
- Columbia Branch3000 Devine St, Columbia, SC 29205Directions
Greenville area · 1
- Greenville, Sc Branch522 N Church St, Greenville, SC 29601Directions
Georgia
1 branch
- Atlanta Branch125 Glenridge Point Pkwy, Atlanta, GA 30342Directions
Virginia
1 branch
- Va Beach Branch1864 Laskin Rd, Virginia Beach, VA 23454Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.36% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.81% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.78% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalLeverage ratio11.36%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.81%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.78%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Carolina Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.