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
Unfavorable gap of $1.1M · efficiency ratio beats 14% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.83% | 1.18% | 1.44% | Beats 13% | 60 / 69 | |
| Return on Equity | 4.93% | 7.64% | 11.70% | 15.70% | Beats 12% | 61 / 69 | |
| Net Interest Margin | 3.47% | 3.45% | 3.75% | 3.96% | Beats 29% | 49 / 69 | |
| Efficiency Ratio | 77.43% | 55.32% | 62.99% | 70.80% | Beats 14% | 60 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 15.71% | 11.33% | 13.58% | 16.27% | Beats 67% | 23 / 69 | |
| Total Risk-Based Capital Ratio | 15.71% | 11.55% | 14.43% | 17.27% | Beats 62% | 26 / 69 | |
| Equity / Assets | 14.32% | 8.31% | 9.91% | 12.53% | Beats 86% | 10 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 73.70% | 71.40% | 81.07% | 88.03% | 29th pctl | 49 / 69 | |
| Loans / Assets | 62.68% | 61.10% | 68.66% | 76.68% | 30th pctl | 48 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |