Carrollton Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Carrollton Bank is a community bank chartered in 1877, based in Carrollton, IL. The Q2 2026 balance sheet stands at $3.9B in assets, including $3.0B in loans. Profitability tracks the broader industry: ROA 1.10%, ROE 14.32%, NIM 3.42%. Capital is comfortably above regulatory requirements, CET1 ratio of 9.93% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 0.89% NPL ratio. Its footprint covers 13 branches concentrated in Illinois.
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 0.89%, a Texas ratio of 7.88%, per financial data filed with the FFIEC.
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)
- Offices
- 13 domestic
- Employees (FTE)
- 307
- Domestic deposits
- $3.56B
- Allowance for credit losses
- $38.4M
- Net charge-offs (YTD)
- $16K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Carrollton Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Carrollton 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Carrollton Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 1.10% | 0.89% | 7.88% | 3.42% |
| Q1 2026 | 9.75% | 1.03% | 0.47% | 4.23% | 3.27% |
| Q4 2025 | 9.81% | 1.06% | 0.49% | 4.28% | 3.27% |
| Q3 2025 | 10.11% | 1.01% | 0.82% | 7.23% | 3.14% |
| Q2 2025 | 10.05% | 0.87% | 0.89% | 7.96% | 3.05% |
| Q1 2025 | 9.88% | 1.22% | 1.12% | 10.02% | 3.04% |
| Q4 2024 | 9.48% | 1.01% | 0.34% | 3.24% | 3.15% |
| Q3 2024 | 9.38% | 0.96% | 0.21% | 1.92% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| 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
What the public regulatory sources show for Carrollton Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IL, rank 51 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Carrollton Bank headquartered?
Carrollton Bank is headquartered in Carrollton, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Carrollton Bank founded?
Carrollton Bank was established in 1877, per the FDIC institution directory.
Is Carrollton Bank FDIC-insured?
Yes. Carrollton Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Carrollton Bank's CET1 capital ratio?
Carrollton Bank 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?
Carrollton Bank 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?
Carrollton Bank's Texas Ratio is 7.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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