Carrollton Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 122.91 percentage points lower than in Q1 2026, at 144.46%. Within Illinois, Carrollton Bank is 187th of 323 on return on assets, 1.10% as of Q2 2026, below the middle of the field. Carrollton Bank reported 1.10% on return on assets for Q2 2026, 0.17 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.93% |
| Tier 1 risk-based capital ratio | 9.93% |
| Total risk-based capital ratio | 11.18% |
| Tier 1 leverage ratio | 8.01% |
| Equity capital to assets | 7.76% |
| Tangible equity to tangible assets | 7.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.88% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 144.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 14.32% |
| Net interest margin | 3.42% |
| Efficiency ratio | 55.65% |
| Yield on earning assets | 5.45% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.63% |
| Core deposits to total deposits | 82.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.65% |
| Securities to assets | 6.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.50% | 9.50% | 10.73% | 7.94% | 1.25% |
| Q4 2023 | 9.28% | 9.28% | 10.51% | 7.89% | 0.92% |
| Q1 2024 | 9.27% | 9.27% | 10.48% | 8.09% | 0.93% |
| Q2 2024 | 9.39% | 9.39% | 10.61% | 8.11% | 0.88% |
| Q3 2024 | 9.38% | 9.38% | 10.61% | 8.12% | 0.96% |
| Q4 2024 | 9.48% | 9.48% | 10.71% | 8.00% | 1.01% |
| Q1 2025 | 9.88% | 9.88% | 11.13% | 8.20% | 1.22% |
| Q2 2025 | 10.05% | 10.05% | 11.22% | 8.10% | 0.87% |
| Q3 2025 | 10.11% | 10.11% | 11.33% | 7.87% | 1.01% |
| Q4 2025 | 9.81% | 9.81% | 11.04% | 7.82% | 1.06% |
| Q1 2026 | 9.75% | 9.75% | 10.99% | 7.86% | 1.03% |
| Q2 2026 | 9.93% | 9.93% | 11.18% | 8.01% | 1.10% |
Carrollton Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carrollton Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Carrollton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12383) · FFIEC NIC profile (RSSD 1001648)