Carrollton Bank
Carrollton Bank reported total assets of $3.9 bn at Q2 2026, up 5.3% on a year earlier, the 337th largest of 497 banks in our US coverage. The CET1 capital ratio at Carrollton Bank was 9.93%, and the uninsured share of Carrollton Bank was 53.18%. Source: FDIC Call Reports.
Key takeaways
- Carrollton Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 9.93% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- The tier 1 leverage ratio of Carrollton Bank, 8.01% at , places Carrollton Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
- On noncurrent loans to total loans, Carrollton Bank slipped from 62nd to 131st among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Carrollton Bank apart
How large is Carrollton Bank?
The balance sheet of Carrollton Bank at : assets $3.9 bn, deposits $3.6 bn, net loans $2.9 bn (loans equal to 82.55% of deposits). Securities make up 7.0% of total assets at Carrollton Bank. Since , when Carrollton Bank held $1.2 bn, its assets grew 211.1%. In the year to , deposits at Carrollton Bank rose 5.4% while its total assets rose 5.3%. At , Carrollton Bank employed 307 full-time equivalent staff across 13 offices, about $12.6 mn of assets per employee and $273.6 mn of deposits per office.
How much funding at Carrollton Bank is uninsured?
At Carrollton Bank, uninsured deposits (above the FDIC limit) made up 53.18% of domestic deposits at (+0.36 pp on a year earlier); Carrollton Bank ranks 60th of 500 on this measure. In dollars, Carrollton Bank estimated $1.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.6 bn | +5.4% | 312th of 499 |
| Net loans and leases | $2.9 bn | +5.8% | 317th of 500 |
| Loan-to-deposit ratio | 82.55% | +0.32 pp | 312th of 500 |
| Tier 1 leverage ratio | 8.01% | -0.10 pp | 472nd of 500 |
| Total risk-based capital ratio | 11.18% | -0.04 pp | 445th of 448 |
| Net interest margin | 3.38% | +0.29 pp | 324th of 500 |
| Return on assets (ROA) | 1.06% | +0.02 pp | 357th of 500 |
| Efficiency ratio | 57.89% | +0.00 pp | 289th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.5 mn | Narrowed by $1.8 mn | |
| Noncurrent loans to total loans | 0.36% | +0.20 pp | 131st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.22 pp | 68th of 500 (1 = lowest) |
US rank of Carrollton Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Carrollton Bank: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.6bn
- Net loans $2.9bn
Capital and securities
The CET1 ratio of Carrollton Bank stood at 9.93% in , -0.12 pp year on year. Low and high at Carrollton Bank since : 8.80% () to 10.11% (). Equity capital of Carrollton Bank at : $301.2 mn, or 7.8% of total assets. Carrollton Bank also reported a total capital ratio of 11.18% for , and a tier 1 leverage ratio of 8.01%.
The available-for-sale portfolio of Carrollton Bank showed an unrealized loss of $9.5 mn at ; the loss narrowed by $1.8 mn over the year.
Carrollton Bank: capital ratios
- Total capital 11%
- CET1 9.9%
- Tier 1 leverage 8.0%
Carrollton Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , Carrollton Bank earned a return on equity of 13.81%; return on assets: 1.06%. Net interest margin at Carrollton Bank: 3.38%, +0.29 pp in a year. Carrollton Bank net income: $20.4 mn, up 8.8% year on year. The efficiency ratio of Carrollton Bank was 57.89%: about 58 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.36% of total loans at Carrollton Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Carrollton Bank: $3.0 bn, up 5.9% in a year.
Carrollton Bank: profitability
- Return on equity 14%
- Net interest margin 3.4%
- Return on assets 1.1%
Peer group of Carrollton Bank
The peer group of Carrollton Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 6 share the charter type of Carrollton Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Carrollton Bank shows CET1 ratio 9.93% against a peer median of 13.69%, return on equity 13.81% against a peer median of 13.26% and uninsured deposit share 53.18% against a peer median of 36.16%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | State nonmember bank | NJ | $3.9 bn | 45.25% | 13.68% | 92.29% | |
| First Guaranty Bank | State nonmember bank | LA | $3.9 bn | 14.95% | 5.85% | 25.29% | |
| Carrollton Bank | State nonmember bank | IL | $3.9 bn | 9.93% | 13.81% | 53.18% | |
| Security Bank of Kansas City | State nonmember bank | KS | $3.9 bn | not reported | 13.50% | 35.48% | |
| Gulf Coast Bank and Trust Company | State nonmember bank | LA | $3.9 bn | 11.85% | 13.02% | 21.40% | |
| Bank of Marin | State nonmember bank | CA | $3.9 bn | 13.69% | 9.66% | 36.84% | |
. FDIC Call Reports.
Last eight quarters
Two years at Carrollton Bank, to : assets +12.7%, deposits +12.8%, equity +12.6%. Staff 301 to 307.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.4 bn | $3.5 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.8 bn | $3.8 bn | $3.9 bn |
| Total deposits | $3.2 bn | $3.2 bn | $3.3 bn | $3.4 bn | $3.5 bn | $3.5 bn | $3.5 bn | $3.6 bn |
| Bank equity capital | $267.6 mn | $267.8 mn | $280.8 mn | $287.6 mn | $290.1 mn | $292.6 mn | $292.1 mn | $301.2 mn |
| CET1 ratio | 9.38% | 9.48% | 9.88% | 10.05% | 10.11% | 9.81% | 9.75% | 9.93% |
| Return on equity (ROE) | 12.00% | 12.31% | 15.74% | 13.45% | 13.38% | 13.52% | 13.36% | 13.81% |
| Uninsured share of domestic deposits | 52.32% | 51.94% | 52.73% | 52.82% | 53.22% | 54.07% | 53.03% | 53.18% |
| Full-time equivalent employees | 301 | 294 | 296 | 298 | 305 | 305 | 300 | 307 |
| Number of offices | 13 | 13 | 13 | 13 | 13 | 13 | 13 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Carrollton Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Carrollton Bank?
Carrollton Bank reported $3.9 bn at in its Call Report. That makes Carrollton Bank the 337th largest of 497 banks in our US coverage.
Is Carrollton Bank the same as its holding company?
No. This page covers Carrollton Bank, FDIC certificate 12383; CBX CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Carrollton Bank profitable?
Carrollton Bank reported net income of $20.4 mn for the year to ; annualized return on equity: 13.81%. So yes: Carrollton Bank made a profit over these months.
When is data for Carrollton Bank next updated?
Figures from Carrollton Bank for are due after .
Where can I check the figures for Carrollton Bank?
In the FDIC BankFind Suite record for certificate 12383, and in the Call Reports of Carrollton Bank (RSSD ID 1001648) at the FFIEC Central Data Repository.