Headquartered in Huntingdon, Tennessee, Carroll Bank and Trust is a state-chartered bank (fed member) with $662.1M in total assets and $605.5M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1907.
Carroll Bank and Trust has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 104th. Problem-loan coverage contributes the most (75/100, 12.5%); capital cushion contributes the least (32/100, 8.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (56 → 52), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 56 |
| Q4 2024 | 55 |
| Q1 2025 | 54 |
| Q2 2025 | 56 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 54 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.81% |
| Q3 2024 | 8.78% |
| Q4 2024 | 8.64% |
| Q1 2025 | 8.38% |
| Q2 2025 | 8.09% |
| Q3 2025 | 8.07% |
| Q4 2025 | 8.29% |
| Q1 2026 | 8.18% |
| Q2 2026 | 8.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.91% |
| Q4 2024 | 1.04% |
| Q1 2025 | 1.18% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $662.1M | 8.25% | 1.36% | 0.89% | 82.2% |
| Q1 2026 | 54 | $658.1M | 8.18% | 1.05% | 0.76% | 77.5% |
| Q4 2025 | 56 | $649.0M | 8.29% | 1.00% | 0.97% | 79.3% |
| Q3 2025 | 56 | $615.6M | 8.07% | 0.93% | 0.90% | 78.6% |
| Q2 2025 | 56 | $605.3M | 8.09% | 0.91% | 0.88% | 77.4% |
| Q1 2025 | 54 | $573.0M | 8.38% | 1.18% | 0.75% | 77.8% |
| Q4 2024 | 55 | $549.1M | 8.64% | 1.04% | 0.68% | 80.4% |
| Q3 2024 | 56 | $528.2M | 8.78% | 0.91% | 0.64% | 84.6% |
| Q2 2024 | 56 | $501.5M | 8.81% | 0.95% | 0.64% | 84.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| BankTennesseeBank Collierville, TN | 58 out of 100, Moderate | $630.3M | 9.7% | 1.20% | vs |
| Andrew Johnson BankBank Greeneville, TN | 73 out of 100, Strong | $611.9M | 11.2% | 0.83% | vs |
| Wayne County BankBank Waynesboro, TN | 84 out of 100, Strong | $595.1M | 13.6% | 0.72% | vs |
| INSOUTH BankBank Brownsville, TN | 42 out of 100, Below average | $591.9M | 8.5% | 2.29% | vs |
| TriStar BankBank Dickson, TN | 64 out of 100, Moderate | $562.7M | 9.8% | 0.61% | vs |
Deposit insurance
Is my money safe at Carroll Bank and Trust?
Yes. Carroll Bank and Trust is an FDIC-insured institution (FDIC certificate #2380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.8% of deposits ($162.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.25%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.78% (benchmark: 10%).
10 locations
Branches
Carroll Bank and Trust lists 9 offices in 9 cities. Most locations:
- Bradford, TN (1)
- Camden, TN (1)
- Huntingdon, TN (1)
- Jackson, TN (1)
- Lexington, TN (1)
- Mckenzie, TN (1)
- Mc Lemoresville, TN (1)
- Milan, TN (1)
- Paris, TN (1)
HMDA 2025
Mortgage lending
In 2025, Carroll Bank and Trust reported 526 home-loan applications under HMDA (LEI 549300RN1POVRDD21477): 492 originated ($76,320,000 total), 10 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Carroll Bank and Trust
- Former names
- Bank of McLemoresville
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 2380
- RSSD ID
- 541857
- Primary regulator
- FED
- Holding company
- Carroll Financial Services Inc
- Established
- September 9, 1907
- Headquarters
- 19510 Main St W, Huntingdon, TN 38344
- Website
- www.carrollbank.com
- Employees
- 115
Quick answers
Carroll Bank and Trust: common questions
Is Carroll Bank and Trust FDIC insured?
Yes. Carroll Bank and Trust is an FDIC-insured institution (FDIC certificate #2380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Carroll Bank and Trust's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Carroll Bank and Trust ever failed?
There is no failure record for FDIC certificate #2380 in the FDIC failed bank list.
How many branches does Carroll Bank and Trust have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Huntingdon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| Johnsonville TVA Employees Credit UnionCredit union Camden, TN | 92 out of 100, Very strong | $180.7M | 16.4% | 0.73% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| Tennessee River Federal Credit UnionCredit union Counce, TN | 89 out of 100, Very strong | $16.3M | 33.2% | 0.25% | vs |
| Security Bank and Trust CompanyBank Paris, TN | 79 out of 100, Strong | $1.7B | 10.9% | 0.02% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |