Carrollton Bank
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Data as of · sourced from FFIEC call reports. How we update
Carrollton Bank is an FDIC-insured commercial bank headquartered in Carrollton, IL, established in 1877 (FDIC certificate 12383), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.88B, up 5.3% from Q2 2025, the 19th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 9.93% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12383
- Headquarters
- Carrollton, IL
- Established
- 1877
- Total assets, Q2 2026
- $3.88B
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 9.93%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 081906013
- Latest call report
- Q2 2026, FFIEC 041 · Carrollton Bank call report
- Holding company
- CBX CORPORATION
- Asset rank in state
- 19th of 319 in Illinois
Carrollton Bank operates with a thinner capital cushion than most banks of its size. Based in Carrollton, Illinois, it had $3.9 billion in assets at June 30, 2026, up 5.3% from a year earlier. It holds common equity equal to 9.93% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (53%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $11 million, 34% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.36% of loans, against 0.16% a year earlier.
As of June 30, 2026, Carrollton Bank reported a CET1 capital ratio of 9.93%, a return on assets of 1.10%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 3.18%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Carrollton Bank is the 19th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $3.88B, loans rose 1.3% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 30.9% of total loans, ahead of 1-4 family residential loans at 20.9%. The FDIC Summary of Deposits lists 13 offices for it, in 12 cities across 2 states; its O Fallon office books 13% of its branch deposits. Judged on its Q2 2026 call report, Carrollton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 315 6th St, Carrollton, IL 62016
- County
- Greene
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1877
- Former names
- The Carrollton Bank and Trust Company (1978-1994)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 307
- Domestic deposits
- $3.56B
- Allowance for credit losses
- $38.4M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $3.85B
- Average total loans
- $2.94B
- Average interest-bearing deposits
- $2.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12383
- Fed RSSD
- 1001648
- SEC CIK
- 873600 → filed by CBX CORPORATION
- Website
- www.carrolltonbanking.com →
- Parent Holding Company
- CBX CORPORATION (RSSD 1860863)
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
Over the 12 quarters to Q2 2026, Carrollton Bank's total assets ran between $3.30B (Q3 2023) and $3.88B (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
$3.88B total assets against $3.69B; $3.58B total liabilities against $3.40B.
$2.94B net loans and leases against $2.77B; $3.56B total deposits against $3.37B.
$270.0M securities against $261.9M; $563.5M cash and balances due against $545.8M.
$51.3M total interest income against $49.0M; $19.2M total interest expense against $21.7M.
$32.1M net interest income against $27.2M.
$3.0M total noninterest income against $3.2M; $19.6M total noninterest expense against $18.3M.
$1.3M provision for credit losses against $965K.
$10.6M net income against $8.0M.
1.10% return on assets against 0.87%; 3.42% net interest margin against 3.05%.
9.93% CET1 capital ratio against 10.05%; 8.01% tier 1 leverage ratio against 8.10%.
Inside the full Carrollton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Carrollton Bank rankings
Its closest position to the top of a national ranking is 72 of 980, for uninsured deposits; its furthest is 2,103 of 2,134, for CET1 ratio.
Metric pages for Carrollton Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q2 2025) to 1.22% (Q1 2025) and its net interest margin ran from 3.04% (Q1 2025) to 3.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 1.10% | 0.36% | 3.18% | 3.42% |
| Q1 2026 | 9.75% | 1.03% | 0.24% | 2.04% | 3.27% |
| Q4 2025 | 9.81% | 1.06% | 0.19% | 1.64% | 3.27% |
| Q3 2025 | 10.11% | 1.01% | 0.20% | 1.75% | 3.14% |
| Q2 2025 | 10.05% | 0.87% | 0.16% | 1.39% | 3.05% |
| Q1 2025 | 9.88% | 1.22% | 0.10% | 0.88% | 3.04% |
| Q4 2024 | 9.48% | 1.01% | 0.12% | 1.07% | 3.15% |
| Q3 2024 | 9.38% | 0.96% | 0.10% | 0.93% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| O'Fallon Branch | O Fallon , IL | 62269 | $459.1M |
| Saint Louis Hills Branch | Saint Louis , MO | 63109 | $454.3M |
| Des Peres Branch | Des Peres , MO | 63131 | $444.3M |
| Saint Charles Branch | Saint Charles , MO | 63301 | $378.5M |
| Springfield Branch | Springfield , IL | 62704 | $354.1M |
| Clayton Mo Branch | Clayton , MO | 63105 | $351.2M |
| Jerseyville Banking Center | Jerseyville , IL | 62052 | $304.3M |
| Alton Branch | Alton , IL | 62002 | $250.3M |
| Carrollton Bank (main office) | Carrollton , IL | 62016 | $221.4M |
| Carrollton Bank - Arnold Branch | Arnold , MO | 63010 | $196.0M |
| Carrollton Bank - Edwardsville Office | Edwardsville , IL | 62025 | $143.7M |
| Godfrey Branch | Godfrey , IL | 62035 | $0 |
| Creve Coeur Home Loan Center | Saint Louis , MO | 63146 | $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 |
|---|---|---|---|
| November 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 1998 | Structure Change | Acquired Zook & Roecker State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 1990 | Structure Change | Acquired Heritage Savings Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 24, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IL, rank 51 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,656 applications, 1,334 loans originated, $340.9M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.8M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Carrollton Bank
What are Carrollton Bank's total assets?
As of the Q2 2026 filing, Carrollton Bank reported total assets of $3.88 billion in its FFIEC call report.
Where is Carrollton Bank headquartered?
It is headquartered in Carrollton, IL, United States.
When was Carrollton Bank founded?
It was established in 1877, per the FDIC institution directory.
Is Carrollton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carrollton Bank?
Carrollton Bank's primary federal regulator is the FDIC.
What is Carrollton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.93% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Carrollton Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carrollton Bank's Texas Ratio?
Its Texas Ratio is 3.18% 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.
What was Carrollton Bank previously called?
The charter now named Carrollton Bank has also operated as The Carrollton Bank and Trust Company (1978-1994), per FDIC structure-change records.
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