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Carrollton Bank

$1B-$10B Specialty: Commercial IL FDIC cert 12383

Designations: ✓ Community bank

Carrollton, IL

13 branches across IL · MO

884 banks in the $1B-$10B peer group nationally 50 in IL
View $1B-$10B leaderboard (IL) →

Carrollton Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 1.8% in tier
  • + Efficiency Ratio 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 21.3% in tier
  • - Credit Risk Growth: Bottom 24.5% in tier
  • - Credit Quality Pressure: Bottom 24.6% in tier
  • - Margin Compression: Bottom 25.0% in tier
  • - Net Interest Margin 0.51% below tier average
Get updates when Carrollton Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $3.8B
+5.7% YoY +0.3% QoQ
+$1.0B $2.8B
-0.1% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
79%
Total Loans ? $2.9B
+5.3% YoY +1.3% QoQ
+$934.7M $2.0B
+0.6% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
81%
Total Deposits ? $3.5B
+6.0% YoY +0.5% QoQ
+$1.2B $2.3B
-0.3% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
81%
Return on Assets ? 1.02%
-15.8% YoY -1.9% QoQ
-0.34% 1.37%
+19.6% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
35%
Net Interest Margin ? 3.31%
+7.4% YoY +3.4% QoQ
-0.51% 3.82%
+6.9% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 60.19%
+7.6% YoY +5.5% QoQ
-0.87% 61.06%
-4.6% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 0.24%
+137.3% YoY +21.7% QoQ
-0.65% 0.89%
+14.1% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
75%
Loan-to-Deposit Ratio ? 82.69%
-0.7% YoY +0.8% QoQ
-1.52% 84.20%
+0.3% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
60%
Non-Interest-Bearing Deposit Share ? 16.16%
-4.7% YoY -3.6% QoQ
-5.13% 21.29%
-2.5% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 0.18%
+136.5% YoY +23.0% QoQ
-0.49% 0.67%
+15.6% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
75%
Tier 1 Capital Ratio ? 9.75%
-1.4% YoY -0.6% QoQ
-5.41% 15.16%
+2.0% YoY
16.97%
+0.7% YoY
17.06%
+0.8% YoY
Bottom 2.8% in tier
Non-Interest Income / Assets ? 0.07%
-61.4% YoY -83.5% QoQ
-0.19% 0.26%
+1.6% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#5 of 220 • Top 1.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Capital Thin

risk
#48 of 221 • Bottom 21.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.75%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#104 of 420 • Bottom 24.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#127 of 513 • Bottom 24.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Margin Compression

decline
#22 of 84 • Bottom 25.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.02%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
84 of 84 Mid-Market banks match · 407 nationally
↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

165
Total Deposits
size
Value: $3.51B
Peer Median: $2.34B
#165 of 884 Top 18.6% in $1B-$10B
167
Total Loans
size
Value: $2.90B
Peer Median: $1.96B
#167 of 884 Top 18.8% in $1B-$10B
188
Total Assets
size
Value: $3.82B
Peer Median: $2.82B
#188 of 884 Top 21.2% in $1B-$10B
217
Delinquency Rate
credit_quality
Value: 0.24%
Peer Median: 0.89%
#217 of 880 Top 24.5% in $1B-$10B
218
Nonperforming Asset Ratio
credit_quality
Value: 0.18%
Peer Median: 0.67%
#218 of 884 Top 24.5% in $1B-$10B

Top Weaknesses (2 metrics)

860
Tier 1 Capital Ratio
capital
Value: 9.75%
Peer Median: 15.16%
#860 of 884 Bottom 2.8% in $1B-$10B
727
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.26%
#727 of 884 Bottom 17.9% in $1B-$10B
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