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Carroll County Trust Company of Carrollton, Missouri

$100M-$1B Specialty: Agricultural MO FDIC cert 1611

Carrollton, MO

4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -0.9% year over year ($173.4M on the books).
  • Delinquency rate 0.62%.
  • Return on assets 0.29%.
  • Efficiency ratio 88.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 53.47% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Carroll County Trust Company of Carrollton, Missouri has 1 strength 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

  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 5.3% in tier
  • - Capital Thin: Bottom 9.5% in tier
  • - Efficiency Drag: Bottom 28.5% in tier
  • - Return on Assets 1.03% below tier average
  • - Net Interest Margin 1.44% below tier average
Get updates when Carroll County Trust Company of Carrollton, Missouri releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $207.6M
+0.5% YoY -0.0% QoQ
-$179.0M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $92.7M
+9.5% YoY +3.5% QoQ
-$165.6M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $173.4M
-0.9% YoY -3.4% QoQ
-$153.3M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 0.29%
-34.6% YoY -18.0% QoQ
-1.03% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 7.2% in tier
Net Interest Margin ? 2.55%
+4.6% YoY -5.1% QoQ
-1.44% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Bottom 3.3% in tier
Efficiency Ratio ? 88.31%
+5.3% YoY +3.0% QoQ
+23.83% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Bottom 7.1% in tier
Delinquency Rate ? 0.62%
+140.3% YoY -8.5% QoQ
-0.30% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 53.47%
+10.4% YoY +7.2% QoQ
-24.48% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Top 11.2% in tier
Non-Interest-Bearing Deposit Share ? 19.34%
+8.0% YoY -2.5% QoQ
-2.69% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.28%
+161.9% YoY -5.3% QoQ
-0.39% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 9.05%
-3.8% YoY +1.7% QoQ
-6.86% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 1.2% in tier
Non-Interest Income / Assets ? 0.16%
+3.0% YoY +119.7% QoQ
-0.41% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
37%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 19.3%
+1.4pp YoY
-0.5pp QoQ
 -2.8pp 22.1% 20.9% 22.2% 42%
Brokered Deposits 9.8%
-2.8pp YoY
+0.3pp QoQ
 +2.0pp 7.9% 7.4% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 8.8%
+0.4pp YoY
+0.4pp QoQ
 -2.8pp 11.6% 12.3% 12.5% 45%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 15.7%
+0.9pp YoY
+0.6pp QoQ
 -16.9pp 32.6% 31.9% 31.3% 21%
Consumer 2.7%
+0.3pp YoY
+0.2pp QoQ
 -1.5pp 4.1% 4.1% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.0%
-0.4pp YoY
+0.2pp QoQ
 -3.1pp 12.2% 11.6% 12.6% 13%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
+1 (+4.2%) QoQ
 -34 58 162 482 19%
Assets per Employee ($) $8.3M
-3.6% YoY
-4.0% QoQ
 +$784K $7.5M $8.0M $8.8M 71%
Branch Count 4
+1 (+33.3%) YoY
+1 (+33.3%) QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.4pp YoY
0.0pp QoQ
 +0.1pp 0.3% 0.3% 0.4% 79%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 30%
Allowance Coverage 1.52x
-60.2% YoY
+5.6% QoQ
 -22.63x 24.15x 10.47x 20.23x 40%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 4.5%
-3.5pp YoY
-1.0pp QoQ
 -7.7pp 12.2% 14.3% 11.6% 12%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 81%
Net Income ($, YTD) $299,000
-35.3% YoY
— QoQ
 -$2.3M $2.6M $11.3M $40.4M 7%

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 (3)

Flatlined Growth

risk
#29 of 529 • Bottom 5.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.29%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#64 of 661 • Bottom 9.5% 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: 9.05%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Efficiency Drag

risk
#104 of 361 • Bottom 28.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.31%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

297
Loan-to-Deposit Ratio
liquidity
Value: 53.47%
Peer Median: 77.95%
#297 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (5 metrics)

2611
Tier 1 Capital Ratio
capital
Value: 9.05%
Peer Median: 15.91%
#2611 of 2643 Bottom 1.2% in $100M-$1B
2558
Net Interest Margin
profitability
Value: 2.55%
Peer Median: 3.99%
#2558 of 2643 Bottom 3.3% in $100M-$1B
2457
Efficiency Ratio
profitability
Value: 88.31%
Peer Median: 64.48%
#2457 of 2643 Bottom 7.1% in $100M-$1B
2455
Return on Assets
profitability
Value: 0.29%
Peer Median: 1.32%
#2455 of 2643 Bottom 7.2% in $100M-$1B
2223
Total Loans
size
Value: $92.74M
Peer Median: $258.35M
#2223 of 2643 Bottom 15.9% in $100M-$1B
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