About Us

Headquartered in Martinsville, Virginia, Carter Bank & Trust is a state-chartered community bank in Virginia with $4.0 billion in total assets as of December 31, 2018. We operate 70+ branches in Virginia and North Carolina. We offer a full-range of deposit accounts, including our signature product, “Lifetime Free Checking,” and competitive commercial, small business and personal loan products and services that are straight-forward and transparent.
Carter Bank & Trust offers business loans with competitive fixed and adjustable interest rates and with short or long-term maturities. Among our offerings are acquisition and development loans, construction loans, and business real estate loans for owner-occupied and income-producing commercial real estate properties.
Personal loan products offered include loans for the purchase or refinance of personal residences, home improvement loans, new and used automobile loans, and unsecured loans for personal expenses. We also make real estate construction and acquisition loans, as well as fixed and variable rate mortgage loans.

Our mission statement: At Carter Bank & Trust, we strive to be the preferred lifetime financial partner for our customers and shareholders, and the employer of choice in the communities we are privileged to serve.