BlastPoint's Banking Scorecard
Carroll Bank and Trust
Designations: ✓ CDFI-certified
Huntingdon, TN
10 branches across TN
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 72 in TN.
- Deposits +8.8% year over year ($605.5M on the books).
- Delinquency rate 1.37%.
- Return on assets 0.89%.
- Efficiency ratio 70.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Carroll Bank and Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Net Interest Margin 0.09% below tier average
- - Efficiency Ratio 5.60% above tier average
- - Delinquency Rate 0.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$662.1M
+9.4% YoY
+0.6% QoQ
|
+$275.5M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 14.6% in tier |
| Total Loans ? |
$497.5M
+15.5% YoY
+6.5% QoQ
|
+$239.2M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 11.5% in tier |
| Total Deposits ? |
$605.5M
+8.8% YoY
+0.4% QoQ
|
+$278.8M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 11.8% in tier |
| Return on Assets ? |
0.89%
+0.2% YoY
+16.6% QoQ
|
-0.44% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.89%
+0.3% YoY
+1.7% QoQ
|
-0.09% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
70.08%
+0.5% YoY
-4.2% QoQ
|
+5.60% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
1.37%
+48.3% YoY
+28.6% QoQ
|
+0.45% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
82.16%
+6.2% YoY
+6.1% QoQ
|
+4.21% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
16.51%
-1.1% YoY
-5.7% QoQ
|
-5.52% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.03%
+56.5% YoY
+36.1% QoQ
|
+0.36% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
11.88%
+0.1% YoY
-2.2% QoQ
|
-4.03% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.38%
+9.7% YoY
+110.1% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.5%
-0.2pp YoY -1.0pp QoQ |
-5.6pp | 22.1% | 18.8% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.9%
-1.3pp YoY -0.5pp QoQ |
-3.7pp | 11.6% | 10.9% | 12.5% | 39% |
| CRE |
30.0%
+1.0pp YoY +0.3pp QoQ |
-9.5pp | 39.5% | 42.4% | 41.4% | 34% |
| 1-4 Family |
47.8%
+2.5pp YoY +0.2pp QoQ |
+15.2pp | 32.6% | 39.8% | 31.3% | 80% |
| Consumer |
5.4%
-0.7pp YoY -0.2pp QoQ |
+1.3pp | 4.1% | 4.5% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
0.0pp YoY -0.3pp QoQ |
-6.9pp | 18.8% | 14.8% | 19.7% | 16% |
| Leverage Ratio |
8.2%
+0.2pp YoY +0.1pp QoQ |
-3.9pp | 12.2% | 11.4% | 12.6% | 3% |
| Total Capital Ratio |
12.8%
0.0pp YoY -0.3pp QoQ |
-7.2pp | 19.9% | 15.9% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
115
+5 (+4.5%) YoY +1 (+0.9%) QoQ |
+56 | 58 | 270 | 482 | 91% |
| Assets per Employee ($) |
$5.8M
+4.6% YoY -0.3% QoQ |
-$1.8M | $7.5M | $7.1M | $8.8M | 28% |
| Branch Count |
10
+1 (+11.1%) YoY 0 QoQ |
+5 | 4 | 17 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.4%
+0.4pp YoY +0.3pp QoQ |
+0.4pp | 0.9% | 0.7% | 1.0% | 80% |
| Allowance Coverage |
0.58x
-32.4% YoY -26.3% QoQ |
-23.57x | 24.15x | 28.97x | 20.23x | 13% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
-0.4pp YoY +1.6pp QoQ |
-0.4pp | 12.2% | 10.9% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 2.0% | 1.7% | 88% |
| Net Income ($, YTD) |
$2.9M
+14.2% YoY — QoQ |
+$351K | $2.6M | $16.7M | $40.4M | 69% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.