CARROLL BANK AND TRUST

HUNTINGDON, TN | Medium | Est. Sept. 9, 1907, midnight | FDIC #2380 | RSSD #541857 | FED
Latest Report: 2025-12-31

CARROLL BANK AND TRUST is amn medium FDIC-insured commercial bank headquartered in HUNTINGDON, TN, established in Sept. 9, 1907, midnight. As of 2025-12-31, the bank reported total assets of $649M and total deposits of $595M. Profitability stands at 1.18% ROA and 15.85% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 11.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.00% and a Texas Ratio of 9.08%. FDIC Certificate #2380.

Assets

$649M

Deposits

$595M

Loans

$475M

Equity

$48M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 15.85%
Net Interest Margin (NIM) 3.94%
Yield on Assets 6.48%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 9.08%
NPA Ratio 0.73%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 11.76%
Tier 1 Capital 11.76%
Total Capital Ratio 12.65%
Leverage Ratio 8.29%
Loan-to-Deposit 79.91%

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