Side-by-side · Q2 2026 data
Carroll Bank and Trust vs INSOUTH Bank
Metric by metric
| Measure | Carroll Bank and Trust | INSOUTH Bank |
|---|---|---|
| TellerScore | 52 (stronger) | 42 |
| Capital cushion | 32 | 35 (stronger) |
| Loan quality | 55 (stronger) | 24 |
| Earnings | 55 (stronger) | 54 |
| Funding & liquidity | 65 (stronger) | 59 |
| Problem-loan coverage | 75 (stronger) | 57 |
| Peer percentile | 8th | 3rd |
| Total assets | $662.1M | $591.9M |
| Deposits / shares | $605.5M | $502.8M |
| Capital ratio | 8.25% | 8.48% (stronger) |
| Problem loans | 1.36% (stronger) | 2.29% |
| Net charge-offs | 0.10% (stronger) | 0.15% |
| Return on assets | 0.89% (stronger) | 0.84% |
| Loans ÷ deposits | 82.2% (stronger) | 90.3% |
| Uninsured deposits | 26.8% | 24.5% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
Carroll Bank and Trust has the higher TellerScore (52 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Carroll Bank and Trust leads on 5 and INSOUTH Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.