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Carroll Bank And Trust
Huntingdon, TN · FDIC Certificate #2380 · Chartered 09/0
Total assets
$662.06M
Total deposits
$605.54M
Total equity
$50.22M
Net loans
$497.54M
Branches (offices)
10
Net income (YTD)
$2.91M
Rank: #1,429 of 4,213 U.S. banks by assets · #45 of 109 in Tennessee. Assets changed 9.4% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 11.82% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 7.59% |
| Tier 1 leverage ratio | 8.25% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 1.36% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 82.2% |
| Real estate loans (share of loans) | 83.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $415.26M | 83.5% | |
| Commercial & industrial | $39.22M | 7.9% | |
| Consumer / individual | $26.72M | 5.4% | |
| Construction & development | $64.99M | 13.1% | |
| Agricultural | $15.78M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $410.20M | $377.23M | $1.98M | $30.79M |
| Jun 2023 | $461.83M | $396.90M | $1.93M | $33.25M |
| Jun 2024 | $501.50M | $452.93M | $1.62M | $39.11M |
| Jun 2025 | $605.33M | $556.77M | $2.54M | $42.98M |
| Jun 2026 | $662.06M | $605.54M | $2.91M | $50.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $605.54M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $605.54M.
Similar-sized banks
Abbybank ($662.20M) · Ccb Community Bank ($661.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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