Carroll Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Carroll Bank and Trust is an FDIC-insured commercial bank headquartered in Huntingdon, TN, established in 1907 (FDIC certificate 2380), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $662.1M, up 9.4% from Q2 2025, the 45th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2380
- Headquarters
- Huntingdon, TN
- Established
- 1907
- Total assets, Q2 2026
- $662.1M
- Assets vs Q2 2025
- +9.4%
- CET1 ratio, Q2 2026
- 11.88%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 084304272
- Latest call report
- Q2 2026, FFIEC 051 · Carroll Bank and Trust call report
- Holding company
- CARROLL FINANCIAL SERVICES, INC.
- Asset rank in state
- 45th of 109 in Tennessee
Problem loans are rising at Carroll Bank and Trust. The Huntingdon, Tennessee bank had $662 million in assets at June 30, 2026, up 9.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.36% of loans from 0.91% a year earlier. It funds 8.25% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 12.7% of the capital and reserves that would absorb them, 4.8 times the median of 2.6% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $1.7 million. Over the same year, loans grew 15.5% and deposits grew 8.8%. Funding is the softer spot: it pays an average of 2.51% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Carroll Bank and Trust reported a CET1 capital ratio of 11.88%, a return on assets of 1.01%, a nonperforming-loan ratio of 1.36% and a Texas ratio of 12.73%. The figures come from its call report filed with the FFIEC.
Carroll Bank and Trust ranks as the 45th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $662.1M, loans rose 6.4% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 47.4% of total loans, ahead of construction and land development loans at 13.0%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in TN; its Huntingdon 2 offices book 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Carroll Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19510 Main St W, Huntingdon, TN 38344
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 9, 1907
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $605.5M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $252K
- Average total assets
- $658.9M
- Average total loans
- $484.6M
- Average interest-bearing deposits
- $499.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2380
- Fed RSSD
- 541857
- Website
- www.carrollbank.com →
- Parent Holding Company
- CARROLL FINANCIAL SERVICES, INC. (RSSD 1848825)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Carroll Bank and Trust's total assets ranged from $484.4M (Q3 2023) to $662.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$662.1M total assets against $605.3M; $611.8M total liabilities against $562.3M.
$497.5M net loans and leases against $430.9M; $605.5M total deposits against $556.8M.
$89.5M securities against $70.5M; $34.6M cash and balances due against $65.1M.
$9.8M total interest income against $8.8M; $3.8M total interest expense against $3.5M.
$6.0M net interest income against $5.3M.
$1.3M total noninterest income against $1.1M; $4.9M total noninterest expense against $4.3M.
$195K provision for credit losses against $137K.
$1.7M net income against $1.5M.
1.01% return on assets against 1.00%; 3.93% net interest margin against 3.84%.
11.88% CET1 capital ratio against 11.87%; 8.25% tier 1 leverage ratio against 8.09%.
Inside the full Carroll Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarroll Bank and Trust rankings
Its closest position to the top of a national ranking is 433 of 3,640, for Texas Ratio; its furthest is 1,749 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.19% (Q4 2025) and its net interest margin ran from 3.71% (Q3 2024) to 3.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.88% | 1.01% | 1.36% | 12.73% | 3.93% |
| Q1 2026 | 12.15% | 0.77% | 1.05% | 9.54% | 3.86% |
| Q4 2025 | 11.76% | 1.19% | 1.00% | 9.21% | 3.94% |
| Q3 2025 | 11.87% | 0.91% | 0.93% | 8.86% | 3.87% |
| Q2 2025 | 11.87% | 1.00% | 0.91% | 8.70% | 3.84% |
| Q1 2025 | 12.09% | 0.75% | 1.18% | 10.89% | 3.76% |
| Q4 2024 | 12.06% | 0.81% | 1.04% | 10.66% | 3.80% |
| Q3 2024 | 12.09% | 0.63% | 0.91% | 9.09% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carroll Bank and Trust (main office) | Huntingdon , TN | 38344 | $237.2M |
| Camden Branch | Camden , TN | 38320 | $102.5M |
| Mckenzie Branch | Mckenzie , TN | 38201 | $75.2M |
| Carroll Bank and Trust Branch | Bradford , TN | 38316 | $47.3M |
| Paris Branch | Paris , TN | 38242 | $43.1M |
| Milan Branch | Milan , TN | 38358 | $39.2M |
| Mclemoresville Branch | Mc Lemoresville , TN | 38235 | $36.3M |
| Lexington Branch | Lexington , TN | 38351 | $23.6M |
| Jackson Branch | Jackson , TN | 38305 | $1.1M |
| Huntingdon Branch | Huntingdon , TN | 38344 | $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 |
|---|---|---|---|
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired The Bank of Bradford Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TN, rank 62 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 526 applications, 492 loans originated, $76.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Carroll Bank and Trust
What are Carroll Bank and Trust's total assets?
As of the Q2 2026 filing, Carroll Bank and Trust reported total assets of $662.1 million in its FFIEC call report.
Where is Carroll Bank and Trust headquartered?
It is headquartered in Huntingdon, TN, United States.
When was Carroll Bank and Trust founded?
It was established in 1907, per the FDIC institution directory.
Is Carroll Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carroll Bank and Trust?
Carroll Bank and Trust's primary federal regulator is the Federal Reserve.
What is Carroll Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does Carroll Bank and Trust operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carroll Bank and Trust's Texas Ratio?
Its Texas Ratio is 12.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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