Carrollton Federal Bank
BankRegReports is independent of Carrollton Federal Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Carrollton Federal Bank is an FDIC-insured savings institution headquartered in Carrollton, KY, established in 1890 (FDIC certificate 29774), and it is supervised by the OCC. At Q2 2026 it reported total assets of $43.6M, up 6.1% from Q2 2025, the 116th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29774
- Headquarters
- Carrollton, KY
- Established
- 1890
- Total assets, Q2 2026
- $43.6M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 15.71%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 283972078
- Latest call report
- Q2 2026, FFIEC 051 · Carrollton Federal Bank call report
- Asset rank in state
- 116th of 120 in Kentucky
Carrollton Federal Bank, based in Carrollton, Kentucky, reported $44 million in assets at June 30, 2026, up 6.1% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it holds commercial real estate loans worth 1.0 times its capital, 3.8 times the median of 26% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.61%.
As of June 30, 2026, Carrollton Federal Bank reported a return on assets of 0.80%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Carrollton Federal Bank ranks as the 116th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $43.6M, loans rose 2.3% and deposits rose 2.3%. 1-4 family residential loans made up 64.9% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 12.7%. The FDIC Summary of Deposits lists a single office for it, in Carrollton, KY. Judged on its Q2 2026 call report, Carrollton Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2539 Highway 227, Carrollton, KY 41008
- County
- Carroll
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $37.1M
- Allowance for credit losses
- $190K
- Net charge-offs (YTD)
- $0
- Average total assets
- $42.6M
- Average total loans
- $27.0M
- Average interest-bearing deposits
- $30.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29774
- Fed RSSD
- 219679
- Website
- www.carrolltonfederal.com →
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, Carrollton Federal Bank 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, Carrollton Federal Bank's total assets ran between $38.5M (Q3 2023) and $43.6M (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
$43.6M total assets against $41.1M; $37.4M total liabilities against $35.4M.
$27.1M net loans and leases against $26.0M; $37.1M total deposits against $35.1M.
$9.3M securities against $8.8M; $4.9M cash and balances due against $4.0M.
$507K total interest income against $469K; $125K total interest expense against $111K.
$382K net interest income against $358K.
$31K total noninterest income against $28K; $308K total noninterest expense against $297K.
No provision recorded in the last 12 quarters.
$85K net income against $78K.
0.80% return on assets against 0.78%; 4.13% net interest margin against 4.07%.
15.71% tier 1 leverage ratio against 16.00%.
Inside the full Carrollton Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarrollton Federal Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q4 2024) to 0.80% (Q2 2026) and its net interest margin ran from 3.67% (Q3 2024) to 4.29% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.71% | 0.80% | 0.00% | 0.00% | 4.13% |
| Q1 2026 | 15.98% | 0.67% | 0.00% | 0.00% | 3.96% |
| Q4 2025 | 15.84% | 0.76% | 0.00% | 0.00% | 4.29% |
| Q3 2025 | 15.76% | 0.71% | 0.61% | 2.54% | 4.16% |
| Q2 2025 | 16.00% | 0.78% | 0.61% | 2.69% | 4.07% |
| Q1 2025 | 16.21% | 0.46% | 0.66% | 2.78% | 3.80% |
| Q4 2024 | 16.00% | 0.37% | 0.67% | 2.92% | 3.78% |
| Q3 2024 | 15.92% | 0.50% | 0.71% | 2.97% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Carrollton Federal Bank (main office) | Carrollton , KY | 41008 | $37.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- March 9, 2005, OCC (former OTS): Supervisory Agreement: Carrollton Federal Bank
- February 26, 2004, OCC (former OTS): Civil Money Penalty: Carrollton Federal Bank
- Period: Most recent institution action March 9, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 143 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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
Add this badge to your website
Free to use. It shows Carrollton Federal Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Carrollton Federal Bank
What are Carrollton Federal Bank's total assets?
As of the Q2 2026 filing, Carrollton Federal Bank reported total assets of $43.6 million in its FFIEC call report.
Where is Carrollton Federal Bank headquartered?
It is headquartered in Carrollton, KY, United States.
When was Carrollton Federal Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Carrollton Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carrollton Federal Bank?
Carrollton Federal Bank's primary federal regulator is the OCC.
How many branches does Carrollton Federal Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carrollton Federal Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
Go deeper on Carrollton Federal Bank.
Get an email when Carrollton Federal Bank files its next call report, and benchmark it against any peer you choose.
Unlock Carrollton Federal Bank, freeFree account