TellerScore

Carrollton Bank (FDIC certificate #12383) is based in Carrollton, Illinois. Its Q2 2026 call report shows $3.9B in total assets and $3.6B in deposits and 13 offices across 2 states.

Carrollton Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 260th. Problem-loan coverage contributes the most (94/100, 3.2%); capital cushion contributes the least (30/100, 8.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Tier 1 leverage ratio: 8.01%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.36%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 82.5% · 53.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.18%

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 3 points (61 → 58), mostly because the loan quality component weakened by 7 points.

TellerScore
586163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202459
Q1 202563
Q2 202561
Q3 202560
Q4 202559
Q1 202659
Q2 202658
Tier 1 leverage ratio
5.00%6.60%8.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.11%
Q3 20248.12%
Q4 20248.00%
Q1 20258.20%
Q2 20258.10%
Q3 20257.87%
Q4 20257.82%
Q1 20267.86%
Q2 20268.01%
Noncurrent loans
0.08%0.22%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.10%
Q4 20240.12%
Q1 20250.10%
Q2 20250.16%
Q3 20250.20%
Q4 20250.19%
Q1 20260.24%
Q2 20260.36%
Return on assets
0.90%1.06%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.92%
Q4 20240.94%
Q1 20251.22%
Q2 20251.04%
Q3 20251.03%
Q4 20251.04%
Q1 20261.02%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.9B8.01%0.36%1.06%82.5%
Q1 202659$3.8B7.86%0.24%1.02%82.7%
Q4 202559$3.8B7.82%0.19%1.04%82.0%
Q3 202560$3.8B7.87%0.20%1.03%79.4%
Q2 202561$3.7B8.10%0.16%1.04%82.2%
Q1 202563$3.6B8.20%0.10%1.22%83.3%
Q4 202459$3.5B8.00%0.12%0.94%86.4%
Q3 202460$3.4B8.12%0.10%0.92%86.7%
Q2 202459$3.4B8.11%0.08%0.90%88.5%

897 peers · $1 billion – $10 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).

Capital ratio8.01%
3rd
Total risk-based capital11.18%
26th
Problem loans0.36%
63rd
Net charge-offs0.00%
77th
Return on assets1.06%
35th
Net interest margin3.38%
30th
Efficiency ratio57.9%
55th
Loans to deposits82.5%
62nd
Uninsured deposits53.2%
7th
Loan-loss reserves1.29%
68th
Texas ratio3.2%
54th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
St. Charles Bank & Trust Company, National AssociationBank Saint Charles, IL66 out of 100, Moderate$3.7B9.6%0.70%vs
Parkway Bank and Trust CompanyBank Harwood Heights, IL66 out of 100, Moderate$3.7B11.5%1.05%vs
United Community BankBank Chatham, IL72 out of 100, Strong$4.1B10.2%0.31%vs
Village Bank and Trust, National AssociationBank Arlington Heights, IL70 out of 100, Strong$3.6B9.5%0.46%vs
Old Plank Trail Community Bank, National AssociationBank New Lenox, IL67 out of 100, Moderate$3.5B8.8%0.28%vs
State Bank of IndiaBank Chicago, IL41 out of 100, Below average$4.3B0.0%0.00%vs

Deposit insurance

Is my money safe at Carrollton Bank?

Yes. Carrollton Bank is an FDIC-insured institution (FDIC certificate #12383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.2% of deposits ($1.9B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.18% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Carrollton Bank lists 11 offices in 11 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Carrollton Bank reported 1,650 home-loan applications under HMDA (LEI 549300CP7747DCRW6U68): 1,334 originated ($340,850,000 total), 107 denied, and 198 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, 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
Carrollton Bank
Former names
The Carrollton Bank; The Carrollton Bank and Trust Company
Type
State-chartered bank
FDIC certificate #
12383
RSSD ID
1001648
Primary regulator
FDIC
Holding company
Cbx Corp
Established
January 1, 1877
Headquarters
315 6th St, Carrollton, IL 62016
Employees
307

Quick answers

Carrollton Bank: common questions

Is Carrollton Bank FDIC insured?

Yes. Carrollton Bank is an FDIC-insured institution (FDIC certificate #12383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Carrollton Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Carrollton Bank ever failed?

There is no failure record for FDIC certificate #12383 in the FDIC failed bank list.

How many branches does Carrollton Bank have?

13 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Carrollton

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of KampsvilleBank Kampsville, IL91 out of 100, Very strong$134.1M17.4%0.01%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Jersey State BankBank Jerseyville, IL75 out of 100, Strong$190.1M13.3%1.18%vs
Bank of Calhoun CountyBank Hardin, IL74 out of 100, Strong$99.5M9.7%0.23%vs
United Community BankBank Chatham, IL72 out of 100, Strong$4.1B10.2%0.31%vs