BanksCARROLL BANK AND TRUST

CARROLL BANK AND TRUST

HUNTINGDON, TNMediumEst. Sept. 9, 1907, midnightFDIC #2380RSSD #541857FED
Latest · 2025-12-31

CARROLL BANK AND TRUST is an 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%. CET1 capital ratio: 11.76%, well above regulatory minimums. NPL ratio: 1.00% · Texas Ratio: 9.08%. Operates 9 domestic branches.

Assets
$649M
Deposits
$595M
Loans
$475M
Equity
$48M

Profitability

Return on Assets (ROA)1.18%
Return on Equity (ROE)15.85%
Net Interest Margin3.94%
Yield on Assets6.48%
Cost of Funds2.55%

Asset Quality

NPL Ratio1.00%
Net Charge-Off Ratio0.03%
Texas Ratio9.08%
NPA Ratio0.73%
ACL / Loans0.80%

Capital & Liquidity

CET1 Ratio11.76%
Tier 1 Capital11.76%
Total Capital Ratio12.65%
Leverage Ratio8.29%
Loan-to-Deposit79.91%

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