American Bank Of The Carolinas is a bank based in Monroe, North Carolina, established in 2019, with $243 million in total assets across 3 branches. By Trust Grade it ranks 11th of 38 banks we track in North Carolina. Its capital ratio of 10.6% is stronger than 56% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 1.40% return on assets. No consumer complaints against American Bank Of The Carolinas appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Bank Of The Carolinas compares to North Carolina peers
How we graded American Bank Of The Carolinas
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.6% capital ratio)
- Strongly profitable (ROA 1.40%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Bank Of The Carolinas over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 312 N Charlotte Ave, Monroe, NC 28112
- 118 Matthews Indian Trail Rd, Indian Trail, NC 28079
- 7003 East Marshville Boulevard, Marshville, NC 28103
Are deposits at American Bank Of The Carolinas insured?
Yes. American Bank Of The Carolinas is an FDIC-insured bank (FDIC certificate #59157). 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.
American Bank Of The Carolinas: frequently asked questions
Is American Bank Of The Carolinas a good bank?
American Bank Of The Carolinas earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.6% capital ratio); Strongly profitable (ROA 1.40%).
Is American Bank Of The Carolinas FDIC-insured?
Yes. American Bank Of The Carolinas is a FDIC-insured bank (FDIC certificate #59157). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Bank Of The Carolinas?
American Bank Of The Carolinas holds $243 million in total assets, ranking 11th of 38 banks we track in North Carolina. It operates 3 branches.
Does American Bank Of The Carolinas have CFPB complaints?
No CFPB complaints against American Bank Of The Carolinas 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.
