Carroll Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carroll Bank and Trust of Huntingdon, TN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.35% | -0.34% | 34th below |
| ROAE | 13.44% | 13.32% | +0.12% | 57th above |
| Net Interest Margin | 3.93% | 3.93% | +0.00% | 49th below |
| Efficiency Ratio | 66.86% | 61.13% | +5.73% | 35th below |
| PPNR / Avg Assets | 1.47% | 1.68% | -0.21% | 42nd below |
| Yield on Earning Assets | 6.38% | 5.67% | +0.71% | 83rd top |
| Cost of Funds | 2.51% | 1.88% | +0.63% | 15th bottom |
| Net Interest Spread | 3.37% | 3.32% | +0.05% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.52% | 0.94% | +0.58% | 18th bottom |
| NPA / Total Assets | 1.15% | 0.70% | +0.45% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.16% | -0.03% | 17th bottom |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) | 51.80% | 1547.17% | -1495.37% | 11th bottom |
| Texas Ratio | 14.26% | 7.33% | +6.93% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 157.14% | 1396.07% | -1238.93% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.88% | 19.49% | -7.61% | 16th bottom |
| Tier 1 Ratio | 11.88% | 19.53% | -7.65% | 16th bottom |
| Total Capital Ratio | 12.78% | 20.61% | -7.83% | 14th bottom |
| Leverage Ratio | 8.25% | 12.14% | -3.89% | 4th bottom |
| Equity / Assets | 7.59% | 11.37% | -3.78% | 10th bottom |
| TCE / Tangible Assets | 7.48% | 11.09% | -3.61% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.82% | 80.66% | +2.16% | 45th below |
| Core Deposit Ratio | 83.02% | 86.85% | -3.83% | 24th bottom |
| Wholesale Funding Ratio | 0.06% | 5.04% | -4.98% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.37% | 6.84% | +2.53% | 81st top |
| Loan Growth (Y/Y) | 15.46% | 7.91% | +7.55% | 87th top |
| Deposit Growth (Y/Y) | 8.76% | 6.29% | +2.47% | 79th top |
See Carroll Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carroll Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carroll Bank and Trust profile, how to read a UBPR, or how this data updates.