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Carroll County Trust Company of Carrollton, Missouri

Carrollton, MO · Cert 1611 · Carroll County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$207.6MAssets
$93.6MLoans
$173.4MDeposits
$13.4MEquity
Loan mix
87%RE $62.7M10%C&I $7.5M3%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $139.9M19%Noninterest $33.5MQ2 2025Q2 2026

NIM

4.21%Q2 ’244.44%Q2 ’254.39%Q2 ’26+14%+2%

Non-interest income vs. expense

2.07%Q2 ’242.18%Q2 ’252.35%Q2 ’26+5%+9%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #112 of 114 inst. · $0.0B of $99.1B

35.1% Carroll
0.0% Lafayette

Executive Summary

  • Earnings: ROA of 0.23%, down 12 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.61% of loans (+36 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.05%, down 36 bps from a year ago.
  • Funding: loans stand at 53.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.35%+5 bps YoY

Efficiency Ratio (YTD, annualized)

88.31%+447 bps YoY

Tier 1 Leverage Ratio

9.05%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.24%0.25%0.28%0.23%-12 bps
Return on Equity6.25%4.07%4.24%4.26%3.49%-276 bps
Net Interest Margin2.29%2.21%2.27%2.38%2.35%+5 bps
Efficiency Ratio83.84%85.91%88.51%85.71%88.31%+447 bps
Non-Interest Burden1.87%1.85%1.97%2.00%2.03%+16 bps
Growth
Asset Growth (YoY)2.32%0.27%-2.25%-1.48%0.46%-187 bps
Loan Growth (YoY)19.19%21.43%17.52%21.43%9.45%-975 bps
Deposit Growth (YoY)1.35%-4.81%-3.73%-2.78%-0.85%-220 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.67%0.40%0.67%0.61%+36 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.97%1.06%0.92%0.96%0.93%-4 bps
Allowance Coverage of NPLs3.8x1.6x2.3x1.4x1.5x-2.3x
Capital
Tier 1 Leverage Ratio9.41%9.27%9.32%8.90%9.05%-36 bps
Total Risk-Based Capital9.41%9.27%9.32%8.90%9.05%-36 bps
Equity / Assets6.01%6.43%6.58%6.45%6.46%+46 bps
Liquidity & Funding
Loans / Deposits48.90%52.05%52.36%50.38%53.97%+508 bps
Liquid Assets / Assets26.12%25.59%28.52%27.83%25.64%-48 bps
CRE / Total Capitaln/a54.45%60.67%63.79%n/an/a