Carroll County Trust Company of Carrollton, Missouri
Carrollton, MO · Cert 1611 · Peer group: banks under $1B in assets in MO (n=82-83) · Carroll County Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$207.6MAssets
$93.6MLoans
$173.4MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 83% of banks under $1B in assets in MO (rank 16 of 82).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in MO (rank 82 of 83).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.23%
Rank 80 of 83
Net Interest Margin
2.35%
Rank 82 of 83
Efficiency Ratio
88.31%
Rank 81 of 83
Equity / Assets
6.46%
Rank 81 of 83
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 4% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.96% | 1.32% | 1.75% | Beats 4% | 80 / 83 | | |
| Return on Equity | 3.50% | 9.66% | 12.96% | 15.76% | Beats 5% | 79 / 83 | | |
| Net Interest Margin | 2.35% | 3.35% | 3.85% | 4.16% | Beats 1% | 82 / 83 | | |
| Efficiency Ratio | 88.31% | 49.83% | 58.83% | 68.51% | Beats 4% | 81 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.08% | 0.51% | 1.01% | Beats 45% | 46 / 82 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 83% | 16 / 82 | | |
| Capital |
| Tier 1 Capital Ratio | 9.05% | 11.01% | 12.49% | 14.98% | Beats 1% | 82 / 83 | | |
| Total Risk-Based Capital Ratio | 9.05% | 11.13% | 13.01% | 15.10% | Beats 1% | 82 / 83 | | |
| Equity / Assets | 6.46% | 8.83% | 10.71% | 13.29% | Beats 2% | 81 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.97% | 69.28% | 83.22% | 91.21% | 7th pctl | 76 / 82 | | |
| Loans / Assets | 45.10% | 59.34% | 71.15% | 78.36% | 7th pctl | 77 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |