CARROLLTON FEDERAL BANK

CARROLLTON, KY | Micro | Est. Jan. 1, 1890, midnight | FDIC #29774 | RSSD #219679 | OCC
Latest Report: 2025-12-31

CARROLLTON FEDERAL BANK is amn micro FDIC-insured commercial bank headquartered in CARROLLTON, KY, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $41M and total deposits of $34M. Profitability stands at 0.77% ROA and 5.21% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 15.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #29774.

Assets

$41M

Deposits

$34M

Loans

$26M

Equity

$6M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 5.21%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.35%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 15.13%
Tier 1 Capital 15.13%
Total Capital Ratio 15.89%
Leverage Ratio 15.84%
Loan-to-Deposit 77.43%

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