BlastPoint's Banking Scorecard

Carrollton Federal Bank

under $100M Specialty: Other KY FDIC cert 29774

Designations: ✓ Community bank ✓ Mutual

Carrollton, KY

541 banks in the under $100M peer group nationally 14 in KY

Carrollton Federal Bank has 3 strengths but faces 2 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 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 7.88% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Net Interest Margin 0.18% below tier average

Get updates when Carrollton Federal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$42.6M +7.2% YoY +5.1% QoQ	-$19.6M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$26.5M +7.5% YoY +1.0% QoQ	-$7.7M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$36.2M +7.1% YoY +6.0% QoQ	-$15.5M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.66% +44.9% YoY -2.7% QoQ	-0.17%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.68% +2.1% YoY -4.0% QoQ	-0.18%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	80.46% -5.5% YoY +1.8% QoQ	-7.88%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	73.22% +0.4% YoY -4.8% QoQ	+9.00%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	15.97% +9.6% YoY +15.2% QoQ	-7.75%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.79%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.98% -1.4% YoY +0.9% QoQ	-10.70%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.07% +3.3% YoY -73.4% QoQ	-0.59%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	57%

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$250B+

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 (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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Top Weaknesses (1 metrics)

412

Total Assets

size

Value: $42.59M

Peer Median: $62.16M

#412 of 541 Bottom 24.0% in under $100M