Carroll County Trust Company of Carrollton, Missouri
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Data as of · sourced from FFIEC call reports. How we update
Carroll County Trust Company of Carrollton, Missouri is an FDIC-insured commercial bank headquartered in Carrollton, MO, supervised by the FDIC, with $207.6M in total assets at Q2 2026, up 0.5% from Q2 2025, the 123rd largest of 191 banks headquartered in Missouri. It was established in 1919 and holds FDIC certificate 1611. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1611
- Headquarters
- Carrollton, MO
- Established
- 1919
- Total assets, Q2 2026
- $207.6M
- Assets vs Q2 2025
- +0.5%
- Tier 1 leverage ratio, Q2 2026
- 9.05%
- Domestic offices
- 4 · Carroll County Trust Company of Carrollton, Missouri branches FDIC institution directory, current count
- Routing number
- 101915764
- Safety and soundness
- Is Carroll County Trust Company of Carrollton, Missouri safe?
- Latest call report
- Q2 2026, FFIEC 051 · Carroll County Trust Company of Carrollton, Missouri Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- CARROLL COUNTY BANCSHARES, INC.
- Asset rank in state
- 123rd of 191 in Missouri
Problem loans are rising at Carroll County Trust Company of Carrollton, Missouri. It reported $208 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.25% a year earlier. It earns about $0.23 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $117,000 was 37% below a year earlier. Over the same year, loans grew 9.4% and deposits shrank 0.9%. Its margin is thin by comparison: it keeps 2.44 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, Carroll County Trust Company of Carrollton, Missouri reported a return on assets of 0.23%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 4.00%. The figures come from its call report filed with the FFIEC.
Carroll County Trust Company of Carrollton, Missouri ranks as the 123rd largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 3.5% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 40.3% of total loans, followed by 1-4 family residential loans at 15.5%. The FDIC Summary of Deposits lists 4 offices for it, in Carrollton, MO, Hale, MO and Waverly, MO; its Carrollton 2 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Carroll County Trust Company of Carrollton, Missouri meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 S Folger St, Carrollton, MO 64633
- County
- Carroll
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $173.4M
- Allowance for credit losses
- $870K
- Net charge-offs (YTD)
- $0
- Average total assets
- $207.2M
- Average total loans
- $91.8M
- Average interest-bearing deposits
- $136.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1611
- Fed RSSD
- 490843
- Website
- www.cctconline.com →
- Parent Holding Company
- CARROLL COUNTY BANCSHARES, INC. (RSSD 1131013)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Carroll County Trust Company of Carrollton, Missouri reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Carroll County Trust Company of Carrollton, Missouri's total assets ran between $201.9M (Q2 2024) and $210.8M (Q1 2025), 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
$207.6M total assets against $206.6M; $194.1M total liabilities against $194.2M.
$92.7M net loans and leases against $84.7M; $173.4M total deposits against $174.9M.
$93.0M securities against $104.7M; $7.6M cash and balances due against $5.2M.
$2.2M total interest income against $2.3M; $1.0M total interest expense against $1.1M.
$1.1M net interest income against $1.2M.
$177K total noninterest income against $175K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $11K.
$117K net income against $185K.
0.23% return on assets against 0.36%; 2.44% net interest margin against 2.48%.
9.05% tier 1 leverage ratio against 9.41%.
Inside the full Carroll County Trust Company of Carrollton, Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarroll County Trust Company of Carrollton, Missouri rankings
Its closest position to the top of a national ranking is 1,576 of 3,640, for Texas Ratio; its furthest is 3,461 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q3 2025) to 0.52% (Q1 2025) and its net interest margin ran from 2.11% (Q3 2024) to 2.60% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.05% | 0.23% | 0.61% | 4.00% | 2.44% |
| Q1 2026 | 8.90% | 0.34% | 0.67% | 4.23% | 2.58% |
| Q4 2025 | 9.32% | 0.38% | 0.40% | 2.61% | 2.60% |
| Q3 2025 | 9.27% | 0.01% | 0.67% | 4.18% | 2.22% |
| Q2 2025 | 9.41% | 0.36% | 0.25% | 1.64% | 2.48% |
| Q1 2025 | 9.00% | 0.52% | 0.47% | 2.78% | 2.39% |
| Q4 2024 | 9.28% | 0.17% | 0.35% | 2.39% | 2.30% |
| Q3 2024 | 9.35% | 0.47% | 0.40% | 2.41% | 2.11% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 County Trust Company of Carrollton, Missouri (main office) | Carrollton , MO | 64633 | $173.4M |
| 201 Main Street Branch | Hale , MO | 64643 | $0 |
| Carrollton Branch | Carrollton , MO | 64633 | $0 |
| Waverly Branch | Waverly , MO | 64096 | $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 |
|---|---|---|---|
| March 27, 2008 | Structure Change | Acquired Farmers and Merchants Bank of Hale Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 1937 | Structure Change | Acquired Carroll Exchange Bank Failure, Government Assistance Provided 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
- <0.1% of deposits in MO, rank 152 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 County Trust Company of Carrollton, Missouri
What are Carroll County Trust Company of Carrollton, Missouri's total assets?
As of the Q2 2026 filing, Carroll County Trust Company of Carrollton, Missouri reported total assets of $207.6 million in its FFIEC call report.
Where is Carroll County Trust Company of Carrollton, Missouri headquartered?
It is headquartered in Carrollton, MO, United States.
When was Carroll County Trust Company of Carrollton, Missouri founded?
It was established in 1919, per the FDIC institution directory.
Is Carroll County Trust Company of Carrollton, Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1611). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carroll County Trust Company of Carrollton, Missouri?
Carroll County Trust Company of Carrollton, Missouri's primary federal regulator is the FDIC.
How many branches does Carroll County Trust Company of Carrollton, Missouri operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carroll County Trust Company of Carrollton, Missouri's Texas Ratio?
Its Texas Ratio is 4.00% 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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