| Metric | Carroll Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.9% | +4.5 pts |
| Deposit growth (YoY) | +8.8% | +4.3% | +4.4 pts |
| Loan growth (YoY) | +15.4% | +5.3% | +10.1 pts |
| ROA | 0.89% | 1.28% | -0.4 pts |
| ROE | 11.8% | 12.4% | -0.6 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $662.1M | $605.5M | $497.5M | $50.2M | $2.9M | 0.89% | 3.89% | 1.03% |
| Q1 2026 | $658.1M | $603.2M | $467.3M | $48.9M | $1.2M | 0.76% | 3.83% | 0.75% |
| Q4 2025 | $649.0M | $595.0M | $471.6M | $48.4M | $5.8M | 0.97% | 3.90% | 0.73% |
| Q3 2025 | $615.6M | $563.9M | $443.2M | $45.6M | $3.9M | 0.90% | 3.91% | 0.70% |
| Q2 2025 | $605.3M | $556.8M | $430.9M | $43.0M | $2.5M | 0.88% | 3.88% | 0.66% |
| Q1 2025 | $573.0M | $525.5M | $408.9M | $42.0M | $1.1M | 0.75% | 3.82% | 0.85% |
| Q4 2024 | $549.1M | $503.8M | $405.2M | $40.3M | $3.5M | 0.68% | 3.70% | 0.83% |
| Q3 2024 | $528.2M | $471.8M | $399.0M | $41.3M | $2.4M | 0.64% | 3.66% | 0.75% |
Loan mix (Q2 2026): real estate $415.3M · commercial $39.2M · consumer $26.7M · securities $89.5M
| Ratio | Carroll Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 61.2% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Carroll Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Carroll Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Carroll Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Carroll Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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