FIRST CAROLINA FINL SERVICES is the bank holding company. FIRST CAROLINA BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FIRST CAROLINA FINL SERVICES

Legal name: FIRST CAROLINA FINANCIAL SERVICES, INC.

1 active bank · $3.4B combined assets

RSSD ID: 4346706 (FFIEC NIC)

Combined Assets

$3.4B

CRA Rating Summary

Satisfactory1charter

Across all 6 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST CAROLINA BANKROCKY MOUNT, NCSatisfactory$3.4BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.4B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.0B

Net Income

$7M

ROA (avg)

0.83%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

140

Origination Rate

82.14%

Denial Rate

5.71%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST CAROLINA BANK	ROCKY MOUNT, NC	FDIC	$3.4B	100.0%	Satisfactory	Jun 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.