Carrollton Bank: Financial Reports & UBPR Data
BankRegReports is independent of Carrollton Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Carrollton Bank operates with a thinner capital cushion than most banks of its size. Based in Carrollton, Illinois, it had $3.9 billion in assets at June 30, 2026, up 5.3% from a year earlier. It holds common equity equal to 9.93% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (53%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $11 million, 34% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.36% of loans, against 0.16% a year earlier.
As of June 30, 2026, Carrollton Bank reported a CET1 capital ratio of 9.93%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 3.18%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 315 6th St, Carrollton, IL 62016
- County
- Greene
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1877
- Former names
- The Carrollton Bank and Trust Company (1978-1994)
- Offices
- 13 domestic
- Employees (FTE)
- 307
- Domestic deposits
- $3.56B
- Allowance for credit losses
- $38.4M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $3.85B
- Average total loans
- $2.94B
- Average interest-bearing deposits
- $2.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12383
- Fed RSSD
- 1001648
- SEC CIK
- 873600 → filed by CBX CORPORATION
- Website
- www.carrolltonbanking.com →
- Parent Holding Company
- CBX CORPORATION (RSSD 1860863)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Carrollton Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Carrollton Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Carrollton Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Carrollton Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 1.10% | 0.36% | 3.18% | 3.42% |
| Q1 2026 | 9.75% | 1.03% | 0.24% | 2.04% | 3.27% |
| Q4 2025 | 9.81% | 1.06% | 0.19% | 1.64% | 3.27% |
| Q3 2025 | 10.11% | 1.01% | 0.20% | 1.75% | 3.14% |
| Q2 2025 | 10.05% | 0.87% | 0.16% | 1.39% | 3.05% |
| Q1 2025 | 9.88% | 1.22% | 0.10% | 0.88% | 3.04% |
| Q4 2024 | 9.48% | 1.01% | 0.12% | 1.07% | 3.15% |
| Q3 2024 | 9.38% | 0.96% | 0.10% | 0.93% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| O'Fallon Branch | O Fallon , IL | 62269 | $459.1M |
| Saint Louis Hills Branch | Saint Louis , MO | 63109 | $454.3M |
| Des Peres Branch | Des Peres , MO | 63131 | $444.3M |
| Saint Charles Branch | Saint Charles , MO | 63301 | $378.5M |
| Springfield Branch | Springfield , IL | 62704 | $354.1M |
| Clayton Mo Branch | Clayton , MO | 63105 | $351.2M |
| Jerseyville Banking Center | Jerseyville , IL | 62052 | $304.3M |
| Alton Branch | Alton , IL | 62002 | $250.3M |
| Carrollton Bank (main office) | Carrollton , IL | 62016 | $221.4M |
| Carrollton Bank - Arnold Branch | Arnold , MO | 63010 | $196.0M |
| Carrollton Bank - Edwardsville Office | Edwardsville , IL | 62025 | $143.7M |
| Godfrey Branch | Godfrey , IL | 62035 | $0 |
| Creve Coeur Home Loan Center | Saint Louis , MO | 63146 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 1998 | Structure Change | Acquired Zook & Roecker State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 1990 | Structure Change | Acquired Heritage Savings Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 24, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Carrollton Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IL, rank 51 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,656 applications, 1,334 loans originated, $340.9M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.8M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Carrollton Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Carrollton Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Carrollton Bank
What are Carrollton Bank's total assets?
As of the Q2 2026 filing, Carrollton Bank reported total assets of $3.88 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Carrollton Bank headquartered?
Carrollton Bank is headquartered in Carrollton, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Carrollton Bank founded?
Carrollton Bank was established in 1877, per the FDIC institution directory.
Is Carrollton Bank FDIC-insured?
Yes. Carrollton Bank is an FDIC-insured commercial bank (FDIC Certificate #12383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carrollton Bank?
Carrollton Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Carrollton Bank's CET1 capital ratio?
Carrollton Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.93% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Carrollton Bank operate?
Carrollton Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carrollton Bank's Texas Ratio?
Carrollton Bank's Texas Ratio is 3.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Carrollton Bank previously called?
The charter now named Carrollton Bank has also operated as The Carrollton Bank and Trust Company (1978-1994), per FDIC structure-change records.
Go deeper on Carrollton Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Carrollton Bank, freeFree account