Headquartered in Carrollton, Kentucky, Carrollton Federal Bank is a savings bank with $43.6M in total assets and $37.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1890.
Carrollton Federal Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 84% of its 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 8th. Capital cushion contributes the most (100/100, 15.71%); earnings contributes the least (49/100, 0.73%).
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 rose 6 points (81 → 87), mostly because the loan quality component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 79 |
| Q4 2024 | 79 |
| Q1 2025 | 79 |
| Q2 2025 | 81 |
| Q3 2025 | 81 |
| Q4 2025 | 87 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.75% |
| Q3 2024 | 15.92% |
| Q4 2024 | 16.00% |
| Q1 2025 | 16.21% |
| Q2 2025 | 16.00% |
| Q3 2025 | 15.76% |
| Q4 2025 | 15.84% |
| Q1 2026 | 15.98% |
| Q2 2026 | 15.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.73% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $43.6M | 15.71% | 0.00% | 0.73% | 73.2% |
| Q1 2026 | 87 | $42.6M | 15.98% | 0.00% | 0.66% | 73.2% |
| Q4 2025 | 87 | $40.5M | 15.84% | 0.00% | 0.68% | 76.9% |
| Q3 2025 | 81 | $41.3M | 15.76% | 0.61% | 0.65% | 72.4% |
| Q2 2025 | 81 | $41.1M | 16.00% | 0.61% | 0.62% | 74.1% |
| Q1 2025 | 79 | $39.7M | 16.21% | 0.66% | 0.46% | 72.9% |
| Q4 2024 | 79 | $38.8M | 16.00% | 0.67% | 0.53% | 74.8% |
| Q3 2024 | 79 | $40.0M | 15.92% | 0.71% | 0.59% | 72.9% |
| Q2 2024 | 80 | $39.0M | 15.75% | 0.73% | 0.63% | 73.8% |
546 peers · Under $100 million in assets
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone Community BankBank Owensboro, KY | 74 out of 100, Strong | $44.5M | 277.2% | 0.00% | vs |
| Citizens Federal Savings and Loan AssociationBank Covington, KY | 79 out of 100, Strong | $41.9M | 28.0% | 0.00% | vs |
| First Federal Savings and Loan AssociationBank Morehead, KY | 54 out of 100, Below average | $41.3M | 25.6% | 3.07% | vs |
| Pinnacle Bank, Inc.Bank Pikeville, KY | 67 out of 100, Moderate | $57.9M | 15.7% | 1.74% | vs |
| Blue Grass Federal Savings and Loan AssociationBank Paris, KY | 79 out of 100, Strong | $58.5M | 15.9% | 0.00% | vs |
| Home Savings Bank, FSBBank Ludlow, KY | 25 out of 100, Low | $25.7M | 10.2% | 7.46% | vs |
Deposit insurance
Is my money safe at Carrollton Federal Bank?
Yes. Carrollton Federal Bank is an FDIC-insured institution (FDIC certificate #29774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.8% of deposits ($7.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Carrollton Federal Bank lists 1 office in 1 city. Most locations:
- Carrollton, KY (1)
Identity & history
Profile
- Legal name
- Carrollton Federal Bank
- Former names
- Carrollton Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29774
- RSSD ID
- 219679
- Primary regulator
- OCC
- Established
- January 1, 1890
- Headquarters
- 2539 Highway 227, Carrollton, KY 41008
- Website
- www.carrolltonfederal.com
- Employees
- 10
Quick answers
Carrollton Federal Bank: common questions
Is Carrollton Federal Bank FDIC insured?
Yes. Carrollton Federal Bank is an FDIC-insured institution (FDIC certificate #29774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Carrollton Federal Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Carrollton Federal Bank ever failed?
There is no failure record for FDIC certificate #29774 in the FDIC failed bank list.
How many branches does Carrollton Federal Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carrollton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Business and Industrial Federal Credit UnionCredit union Columbus, IN | 91 out of 100, Very strong | $44.9M | 18.0% | 0.24% | vs |
| Clifty Creek Employees Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $16.3M | 16.9% | 0.00% | vs |
| Jefferson Community Federal Credit UnionCredit union Madison, IN | 79 out of 100, Strong | $18.0M | 10.7% | 0.05% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Centra Credit UnionCredit union Columbus, IN | 73 out of 100, Strong | $2.4B | 12.3% | 0.96% | vs |