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Carrollton Federal Bank

Carrollton, KY · Cert 29774

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

72

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Carrollton Federal Bank

Carrollton, KY · Cert 29774

State savings bank · OCC · 1 branch

Q2 2026

$43.6MAssets
$27.3MLoans
$37.1MDeposits
$6.2MEquity
Loan mix
94%RE $25.1M0%C&I $0.0M6%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $31.2M16%Noninterest $5.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.73%, up 11 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (-61 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.71%, down 28 bps from a year ago.
  • Funding: loans stand at 73.70% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+4 bps YoY

Efficiency Ratio (YTD, annualized)

77.43%-346 bps YoY

Tier 1 Leverage Ratio

15.71%-28 bps YoY

NIM

4.39%Q2 ’244.54%Q2 ’254.63%Q2 ’26-1%+1%

Non-interest income vs. expense

2.96%Q2 ’243.01%Q2 ’252.91%Q2 ’26+0%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.53%0.46%0.62%0.65%0.68%0.66%0.73%+11 bps
Return on Equity4.18%3.78%3.21%4.35%4.56%4.73%4.52%5.01%+65 bps
Net Interest Margin3.47%3.45%3.37%3.44%3.44%3.49%3.46%3.47%+4 bps
Efficiency Ratio81.48%83.46%85.15%80.89%79.75%79.06%80.46%77.43%-346 bps
Non-Interest Burden2.79%2.84%2.83%2.73%2.69%2.70%2.73%2.62%-10 bps
Growth
Asset Growth (YoY)3.89%-1.32%-1.35%5.37%3.45%4.48%7.18%6.09%+72 bps
Loan Growth (YoY)2.92%0.56%0.26%5.91%2.58%6.32%7.42%4.16%-175 bps
Deposit Growth (YoY)1.84%-1.88%-2.32%5.50%3.29%3.47%7.05%5.54%+4 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.67%0.66%0.61%0.61%0.00%0.00%0.00%-61 bps
Net Charge-Offs / Loans0.00%0.04%-0.10%-0.05%-0.03%-0.02%0.00%0.00%+5 bps
Allowance / Loans0.77%0.74%0.77%0.73%0.75%0.72%0.71%0.70%-4 bps
Allowance Coverage of NPLs1.1x1.1x1.2x1.2x1.2xn/an/an/an/a
Capital
Tier 1 Leverage Ratio15.92%16.00%16.21%16.00%15.76%15.84%15.98%15.71%-28 bps
Total Risk-Based Capital15.92%16.00%16.21%16.00%15.76%15.84%15.98%15.71%-28 bps
Equity / Assets14.42%14.36%14.25%13.91%14.50%15.13%14.29%14.32%+41 bps
Liquidity & Funding
Loans / Deposits73.44%75.36%73.49%74.68%72.93%77.43%73.74%73.70%-98 bps
Liquid Assets / Assets9.82%8.32%9.29%8.49%9.27%5.75%9.23%10.10%+161 bps
CRE / Total Capitaln/an/an/an/a87.11%92.68%93.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Carrollton Federal Bank

Carrollton, KY · Cert 29774 · Peer group: banks under $1B in assets in KY (n=69)

State savings bank · OCC · 1 branch

Q2 2026

$43.6MAssets
$27.3MLoans
$37.1MDeposits
$6.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: return on equity trails 88% of banks under $1B in assets in KY (rank 61 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.71%

Rank 60 of 69

Net Interest Margin

3.47%

Rank 49 of 69

Efficiency Ratio

77.43%

Rank 60 of 69

Equity / Assets

14.32%

Rank 10 of 69

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 14% of banks under $1B in assets in KY
Bank 77.43%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.71%0.83%1.18%1.44%Beats 13%60 / 69
Return on Equity4.93%7.64%11.70%15.70%Beats 12%61 / 69
Net Interest Margin3.47%3.45%3.75%3.96%Beats 29%49 / 69
Efficiency Ratio77.43%55.32%62.99%70.80%Beats 14%60 / 69
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.52%1.14%Beats 100%6 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 100%7 / 69
Capital
Tier 1 Capital Ratio15.71%11.33%13.58%16.27%Beats 67%23 / 69
Total Risk-Based Capital Ratio15.71%11.55%14.43%17.27%Beats 62%26 / 69
Equity / Assets14.32%8.31%9.91%12.53%Beats 86%10 / 69
Liquidity & Funding
Loans / Deposits73.70%71.40%81.07%88.03%29th pctl49 / 69
Loans / Assets62.68%61.10%68.66%76.68%30th pctl48 / 69
Brokered Deposits / Depositsn/aNot reported for this institution