Carter Bank & Trust (the Bank) is a state chartered community bank. The Bank offers a range of deposit accounts including Lifetime Free Checking, interest checking, savings, retirement, money market and certificates of deposit. The Company offers a range of commercial and consumer loan products. The Bank’s offerings include acquisition and development loans, construction loans, and commercial real estate loans for owner-occupied and income-producing commercial real estate properties. The Consumer loan products include loans for the purchase or refinance of personal residences, home equity loans, home improvement loans, new and used automobile loans and unsecured loans for personal expenses. The Bank operates 123 branches in Virginia/North Carolina market area, United States.