BlastPoint's Banking Scorecard

Carrollton Bank

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

Designations: ✓ Community bank

Carrollton, IL

13 branches across IL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +5.4% year over year ($3.6B on the books).
Delinquency rate 0.37%.
Return on assets 1.06%.
Efficiency ratio 57.89% vs a 59.73% peer average.
Loan-to-deposit ratio 82.55% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Carrollton Bank has 2 strengths but faces 4 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

+ Efficiency Ratio 1.84% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 22.1% in tier
- Credit Risk Growth: Bottom 34.3% in tier
- ROA 0.33% below tier average
- Net Interest Margin 0.49% below tier average

Get updates when Carrollton Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.9B +5.3% YoY +1.6% QoQ	+$1.1B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$2.9B +5.8% YoY +1.3% QoQ	+$973.3M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$3.6B +5.4% YoY +1.4% QoQ	+$1.2B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.06% +1.9% YoY +3.8% QoQ	-0.33%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	3.38% +9.2% YoY +2.3% QoQ	-0.49%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	57.89% +0.0% YoY -3.8% QoQ	-1.84%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.37% +127.9% YoY +53.4% QoQ	-0.50%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	82.55% +0.4% YoY -0.2% QoQ	-2.49%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	16.79% +3.2% YoY +3.9% QoQ	-4.48%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.28% +129.1% YoY +52.9% QoQ	-0.40%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	9.93% -1.2% YoY +1.9% QoQ	-4.91%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 5.4% in tier
Non-Interest Income / Assets ?	0.15% -44.8% YoY +109.8% QoQ	-0.38%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% +0.5pp YoY +0.6pp QoQ	-4.6pp	21.4%	20.1%	22.2%	34%
Brokered Deposits	n/a	n/a	9.5%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	31.3% -3.0pp YoY -0.3pp QoQ	+17.3pp	14.0%	14.7%	12.5%	92%
CRE	41.2% +1.6pp YoY +0.3pp QoQ	-8.8pp	50.0%	37.9%	41.4%	27%
1-4 Family	21.2% +1.1pp YoY +0.4pp QoQ	-5.2pp	26.4%	28.3%	31.3%	45%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	5.4%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	9.9% -0.1pp YoY +0.2pp QoQ	-5.7pp	15.6%	19.9%	19.7%	1%
Leverage Ratio	8.0% -0.1pp YoY +0.1pp QoQ	-3.3pp	11.3%	12.2%	12.6%	2%
Total Capital Ratio	11.2% 0.0pp YoY +0.2pp QoQ	-5.5pp	16.7%	20.9%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	307 +9 (+3.0%) YoY +7 (+2.3%) QoQ	-7	313	228	482	66%
Assets per Employee ($)	$12.6M +2.2% YoY -0.7% QoQ	+$2.2M	$10.5M	$8.3M	$8.8M	81%
Branch Count	13 0 YoY 0 QoQ	-7	20	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	21%
Nonaccrual	0.4% +0.2pp YoY +0.1pp QoQ	-0.5pp	0.8%	1.1%	1.0%	36%
Allowance Coverage	3.56x -52.5% YoY -33.5% QoQ	-15.15x	18.71x	5.62x	20.23x	69%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.8% +0.4pp YoY +0.5pp QoQ	+1.2pp	12.6%	10.5%	11.6%	64%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.6%	1.7%	63%
Net Income ($, YTD)	$20.4M +8.8% YoY — QoQ	+$1.1M	$19.2M	$11.7M	$40.4M	70%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#50 of 222 • Bottom 22.1% 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: 9.93%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Risk Growth

risk

#139 of 402 • Bottom 34.3% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

155

Total Deposits

size

Value: $3.56B

Peer Median: $2.32B

#155 of 885 Top 17.4% in $1B-$10B

162

Total Loans

size

Value: $2.94B

Peer Median: $1.96B

#162 of 885 Top 18.2% in $1B-$10B

181

Total Assets

size

Value: $3.88B

Peer Median: $2.79B

#181 of 885 Top 20.3% in $1B-$10B

Top Weaknesses (2 metrics)

838

Tier 1 Capital Ratio

capital

Value: 9.93%

Peer Median: 14.84%

#838 of 885 Bottom 5.4% in $1B-$10B

723

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.53%

#723 of 885 Bottom 18.4% in $1B-$10B