Bank Of York vs Carolina Bank & Trust Co.
Comparing a Bank in York, SC with a Bank in Lamar, SC using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bank Of York ↗ Bank · York, SC · Est. 1935 | Carolina Bank & Trust Co. ↗ Bank · Lamar, SC · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | York, SC | Lamar, SC |
| Total assets | $308.9M | $830.6M |
| Capital ratio | 12.4% | 13.1% |
| Return on assets | 1.6% | 1.7% |
| Deposits | $267.8M | $714.1M |
| Branches | 4 | 14 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 44 | #5 of 44 |
| Established | 1935 | 1936 |
Bank Of York
- Assets: $308.9M
- Deposits: $267.8M
- Capital ratio: 12.4%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 44
Carolina Bank & Trust Co.
- Assets: $830.6M
- Deposits: $714.1M
- Capital ratio: 13.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #5 of 44
Are both institutions federally insured?
Yes. Bank Of York is FDIC-insured and Carolina Bank & Trust Co. is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bank Of York or Carolina Bank & Trust Co.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bank Of York scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bank Of York safe?
Yes — Bank Of York is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Carolina Bank & Trust Co. safe?
Yes — Carolina Bank & Trust Co. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Bank Of York vs Carolina Bank & Trust Co.?
Bank Of York has a capital ratio of 12.4%, placing it in the top 24% of $100M–1B peers. Carolina Bank & Trust Co.'s ratio is 13.1%, placing it in the top 19% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bank Of York have compared to Carolina Bank & Trust Co.?
The CFPB database shows 0 complaints against Bank Of York, and 0 complaints against Carolina Bank & Trust Co.. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bank Of York with other Banks in South Carolina
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
