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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 $1.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $31.2M16%Noninterest $5.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.65%0.68%0.66%0.73%+11 bps
Return on Equity4.35%4.56%4.73%4.52%5.01%+65 bps
Net Interest Margin3.44%3.44%3.49%3.46%3.47%+4 bps
Efficiency Ratio80.89%79.75%79.06%80.46%77.43%-346 bps
Non-Interest Burden2.73%2.69%2.70%2.73%2.62%-10 bps
Growth
Asset Growth (YoY)5.37%3.45%4.48%7.18%6.09%+72 bps
Loan Growth (YoY)5.91%2.58%6.32%7.42%4.16%-175 bps
Deposit Growth (YoY)5.50%3.29%3.47%7.05%5.54%+4 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.61%0.00%0.00%0.00%-61 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.02%0.00%0.00%+5 bps
Allowance / Loans0.73%0.75%0.72%0.71%0.70%-4 bps
Allowance Coverage of NPLs1.2x1.2xn/an/an/an/a
Capital
Tier 1 Leverage Ratio16.00%15.76%15.84%15.98%15.71%-28 bps
Total Risk-Based Capital16.00%15.76%15.84%15.98%15.71%-28 bps
Equity / Assets13.91%14.50%15.13%14.29%14.32%+41 bps
Liquidity & Funding
Loans / Deposits74.68%72.93%77.43%73.74%73.70%-98 bps
Liquid Assets / Assets8.49%9.27%5.75%9.23%10.10%+161 bps
CRE / Total Capitaln/a87.11%92.68%93.67%n/an/a