BlastPoint's Banking Scorecard
Carrollton Federal Bank
Designations: ✓ Community bank ✓ Mutual
Carrollton, KY
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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +5.5% year over year ($37.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.73%.
- Efficiency ratio 77.43% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.19% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Carrollton Federal Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 41.96% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.6M
+6.1% YoY
+2.4% QoQ
|
-$18.8M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$27.1M
+4.2% YoY
+2.3% QoQ
|
-$7.7M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$37.1M
+5.5% YoY
+2.3% QoQ
|
-$14.5M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.73%
+18.2% YoY
+9.8% QoQ
|
-0.27% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.74%
+1.1% YoY
+1.6% QoQ
|
-0.17% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
77.43%
-4.3% YoY
-3.8% QoQ
|
-41.96% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.19%
-1.3% YoY
-0.0% QoQ
|
-1.02% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
15.96%
+4.8% YoY
-0.1% QoQ
|
-7.53% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.71%
-1.8% YoY
-1.7% QoQ
|
-11.41% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.14%
+4.4% YoY
+95.3% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.0%
+0.7pp YoY 0.0pp QoQ |
-8.7pp | 24.6% | 23.5% | 22.2% | 22% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.1%
0.0pp YoY 0.0pp QoQ |
-13.3pp | 13.4% | 8.6% | 12.5% | 0% |
| CRE |
25.5%
+5.1pp YoY +2.1pp QoQ |
+0.2pp | 25.2% | 37.1% | 41.4% | 64% |
| 1-4 Family |
65.4%
-5.1pp YoY -1.3pp QoQ |
+30.4pp | 35.0% | 41.6% | 31.3% | 84% |
| Consumer |
5.3%
-0.9pp YoY -0.5pp QoQ |
-2.4pp | 7.7% | 4.8% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
15.7%
-0.3pp YoY -0.3pp QoQ |
-2.0pp | 17.7% | 14.0% | 12.6% | 73% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 105 | 482 | 43% |
| Assets per Employee ($) |
$4.4M
+6.1% YoY +2.4% QoQ |
-$1.8M | $6.2M | $6.3M | $8.8M | 27% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.45x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.0%
+0.7pp YoY +0.5pp QoQ |
-1.4pp | 6.4% | 13.3% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.2%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 40% |
| Net Income ($, YTD) |
$154,000
+25.2% YoY — QoQ |
-$164K | $317,817 | $5.1M | $40.4M | 30% |
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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.