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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 $1.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $31.2M16%Noninterest $5.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.79%, up 2 bps year over year; NIM at 3.58%.
  • 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 (quarter, annualized)

0.79%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.58%0 bps YoY

Efficiency Ratio (quarter, annualized)

74.58%-237 bps YoY

Tier 1 Leverage Ratio

15.71%-28 bps YoY

NIM

4.42%Q2 ’244.69%Q2 ’254.76%Q2 ’26+4%+0%

Non-interest income vs. expense

2.96%Q2 ’242.97%Q2 ’252.89%Q2 ’26-2%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.37%0.46%0.77%0.71%0.77%0.66%0.79%+2 bps
Return on Equity3.48%2.54%3.21%5.48%4.99%5.21%4.52%5.52%+3 bps
Net Interest Margin3.46%3.41%3.37%3.58%3.62%3.71%3.46%3.58%0 bps
Efficiency Ratio84.62%89.44%85.15%76.94%77.64%77.13%80.46%74.58%-237 bps
Non-Interest Burden2.89%3.02%2.83%2.69%2.75%2.80%2.73%2.60%-9 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%0.14%-0.10%0.00%0.00%0.02%0.00%0.00%0 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