Huntingdon, TN · Cert 2380 · Carroll Financial Services Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 2.0% share · #12 of 23 inst. · $0.1B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.80% | 0.75% | 1.01% | 0.92% | 1.18% | 0.76% | 1.01% | 0 bps | |
| Return on Equity | 8.14% | 10.63% | 10.25% | 14.01% | 12.64% | 15.85% | 10.20% | 13.44% | -57 bps | |
| Net Interest Margin | 3.42% | 3.51% | 3.49% | 3.57% | 3.60% | 3.66% | 3.57% | 3.67% | +10 bps | |
| Efficiency Ratio | 78.40% | 71.18% | 73.25% | 66.49% | 70.54% | 69.19% | 73.18% | 67.14% | +65 bps | |
| Non-Interest Burden | 2.51% | 2.24% | 2.37% | 2.12% | 2.30% | 2.29% | 2.41% | 2.19% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.02% | 9.69% | 13.22% | 20.70% | 16.55% | 18.18% | 14.84% | 9.37% | -1,133 bps | |
| Loan Growth (YoY) | 10.89% | 10.77% | 10.16% | 12.15% | 11.09% | 16.40% | 14.31% | 15.46% | +330 bps | |
| Deposit Growth (YoY) | 13.97% | 11.51% | 15.23% | 22.93% | 19.52% | 18.10% | 14.80% | 8.76% | -1,417 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 1.04% | 1.18% | 0.91% | 0.93% | 1.00% | 1.05% | 1.36% | +44 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | 0.03% | 0.03% | 0.01% | 0.04% | 0.08% | 0.13% | +9 bps | |
| Allowance / Loans | 0.78% | 0.79% | 0.81% | 0.79% | 0.79% | 0.80% | 0.83% | 0.79% | 0 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.7x | 0.9x | 0.9x | 0.8x | 0.8x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 8.64% | 8.38% | 8.09% | 8.07% | 8.29% | 8.18% | 8.25% | +16 bps | |
| Total Risk-Based Capital | 12.95% | 12.93% | 12.98% | 12.74% | 12.76% | 12.65% | 13.08% | 12.78% | +3 bps | |
| Equity / Assets | 7.81% | 7.34% | 7.33% | 7.10% | 7.40% | 7.46% | 7.43% | 7.59% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.24% | 81.07% | 78.45% | 78.01% | 79.23% | 79.91% | 78.12% | 82.82% | +480 bps | |
| Liquid Assets / Assets | 2.56% | 2.61% | 2.25% | 7.41% | 6.91% | 6.06% | 7.01% | 3.62% | -379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 256% | 261% | 262% | n/a | n/a | |