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Carroll Bank and Trust

$100M-$1B Specialty: Commercial TN FDIC cert 2380

Designations: ✓ CDFI-certified

Huntingdon, TN

10 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Carroll Bank and Trust faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 0.51% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 7.90% above tier average
  • - Delinquency Rate 0.18% above tier average
Get updates when Carroll Bank and Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $658.1M
+14.8% YoY +1.4% QoQ
+$272.0M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
Top 14.9% in tier
Total Loans ? $467.3M
+14.3% YoY -0.9% QoQ
+$211.6M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
Top 14.2% in tier
Total Deposits ? $603.2M
+14.8% YoY +1.4% QoQ
+$275.3M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
Top 12.2% in tier
Return on Assets ? 0.76%
+1.0% YoY -21.7% QoQ
-0.51% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
24%
Net Interest Margin ? 3.83%
+0.2% YoY -2.0% QoQ
-0.11% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
48%
Efficiency Ratio ? 73.18%
-0.1% YoY +4.9% QoQ
+7.90% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
26%
Delinquency Rate ? 1.06%
-10.5% YoY +5.9% QoQ
+0.18% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
27%
Loan-to-Deposit Ratio ? 77.47%
-0.4% YoY -2.3% QoQ
+0.83% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
52%
Non-Interest-Bearing Deposit Share ? 17.50%
-1.2% YoY -4.0% QoQ
-4.52% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
34%
Nonperforming Asset Ratio ? 0.75%
-11.0% YoY +3.3% QoQ
+0.12% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
27%
Tier 1 Capital Ratio ? 12.15%
+0.4% YoY +3.3% QoQ
-3.68% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.18%
+6.2% YoY -74.3% QoQ
-0.10% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
82%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

326
Total Deposits
size
Value: $603.24M
Peer Median: $327.97M
#326 of 2664 Top 12.2% in $100M-$1B
378
Total Loans
size
Value: $467.35M
Peer Median: $255.72M
#378 of 2664 Top 14.2% in $100M-$1B
399
Total Assets
size
Value: $658.08M
Peer Median: $386.08M
#399 of 2664 Top 14.9% in $100M-$1B
482
Non-Interest Income / Assets
revenue_mix
Value: 0.18%
Peer Median: 0.28%
#482 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (1 metrics)

2034
Return on Assets
profitability
Value: 0.76%
Peer Median: 1.27%
#2034 of 2664 Bottom 23.7% in $100M-$1B
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