Side-by-side · Q2 2026 data
Carroll Bank and Trust vs Foundation Bank
Metric by metric
| Measure | Carroll Bank and Trust | Foundation Bank |
|---|---|---|
| TellerScore | 52 | 75 (stronger) |
| Capital cushion | 32 | 97 (stronger) |
| Loan quality | 55 (stronger) | 20 |
| Earnings | 55 | 95 (stronger) |
| Funding & liquidity | 65 | 92 (stronger) |
| Problem-loan coverage | 75 | 82 (stronger) |
| Peer percentile | 8th | 61st |
| Total assets | $662.1M | $217.9M |
| Deposits / shares | $605.5M | $183.2M |
| Capital ratio | 8.25% | 14.72% (stronger) |
| Problem loans | 1.36% (stronger) | 2.39% |
| Net charge-offs | 0.10% (stronger) | 0.29% |
| Return on assets | 0.89% | 1.89% (stronger) |
| Loans ÷ deposits | 82.2% | 64.3% (stronger) |
| Uninsured deposits | 26.8% | 18.0% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 21.1% |
Foundation Bank has the higher TellerScore (75 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Carroll Bank and Trust leads on 2 and Foundation Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.