| Metric | Carrollton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +5.8% | +5.9% | -0.1 pts |
| ROA | 1.06% | 1.26% | -0.2 pts |
| ROE | 13.8% | 12.2% | +1.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.88B | $3.56B | $2.94B | $301.2M | $20.4M | 1.06% | 3.38% | 0.28% |
| Q1 2026 | $3.82B | $3.51B | $2.90B | $292.1M | $9.8M | 1.02% | 3.31% | 0.18% |
| Q4 2025 | $3.81B | $3.49B | $2.86B | $292.6M | $38.4M | 1.04% | 3.20% | 0.15% |
| Q3 2025 | $3.78B | $3.46B | $2.75B | $290.1M | $28.3M | 1.03% | 3.14% | 0.15% |
| Q2 2025 | $3.69B | $3.37B | $2.77B | $287.6M | $18.7M | 1.04% | 3.10% | 0.12% |
| Q1 2025 | $3.62B | $3.31B | $2.75B | $280.8M | $10.8M | 1.22% | 3.08% | 0.08% |
| Q4 2024 | $3.49B | $3.19B | $2.76B | $267.8M | $32.3M | 0.94% | 3.14% | 0.09% |
| Q3 2024 | $3.44B | $3.15B | $2.73B | $267.6M | $23.5M | 0.92% | 3.12% | 0.08% |
Loan mix (Q2 2026): real estate $1.93B · commercial $918.0M · consumer $3.6M · securities $270.0M
| Ratio | Carrollton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.26% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 59.0% | 45th |
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 | Carrollton Bank | 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 | Carrollton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Carrollton Bank | 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 | Carrollton Bank | 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 | Carrollton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
13 branches in 9 counties across 2 states (+0 vs 2024) · $3.37B branch deposits. Biggest market: St. Louis, MO, ranked 17th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 3 | $726.2M | 1.43% | 17th |
| St. Clair, IL | 1 | $447.5M | 5.85% | 4th |
| St. Louis (City), MO | 1 | $426.9M | 0.83% | 8th |
| 6 more counties with Pro → | ||||
Missouri: 26th with 0.60% · Illinois: 53rd with 0.22% · St. Louis metro: 10th, 1.91% · Springfield metro: 11th, 3.20% ·
Branch count: 2022 13 · 2023 13 · 2024 13 · 2025 13