Carroll Bank and Trust
Huntingdon, TN · Cert 2380 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carroll Financial Services Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$662.1MAssets
$501.5MLoans
$605.5MDeposits
$50.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 60% of banks under $1B in assets operating in a single state (rank 297 of 746).
- Widest gap: equity / assets trails 90% of banks under $1B in assets operating in a single state (rank 673 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.88%
Rank 474 of 746
Net Interest Margin
3.59%
Rank 406 of 746
Efficiency Ratio
70.08%
Rank 466 of 746
Equity / Assets
7.59%
Rank 673 of 746
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 38% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 36% | 474 / 746 | | |
| Return on Equity | 11.57% | 6.74% | 10.51% | 13.63% | Beats 60% | 297 / 746 | | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 406 / 746 | | |
| Efficiency Ratio | 70.08% | 55.74% | 64.58% | 75.47% | Beats 38% | 466 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.36% | 0.09% | 0.42% | 1.07% | Beats 19% | 603 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 23% | 572 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.88% | 11.55% | 13.75% | 17.60% | Beats 30% | 521 / 746 | | |
| Total Risk-Based Capital Ratio | 12.78% | 11.71% | 14.33% | 18.43% | Beats 34% | 490 / 746 | | |
| Equity / Assets | 7.59% | 8.90% | 10.51% | 13.06% | Beats 10% | 673 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.82% | 61.31% | 78.27% | 90.78% | 60th pctl | 301 / 746 | | |
| Loans / Assets | 75.75% | 53.60% | 66.97% | 76.08% | 73rd pctl | 199 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |