Carrollton Bank
Carrollton, Illinois · FDIC Cert #12383
This is the FDIC profile for Carrollton Bank, an FDIC-insured bank (Certificate #12383) with $3.4B in total assets and $3.1B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Carrollton, Illinois, the bank maintains a Tier 1 capital ratio of 9.39% (Well-Capitalized) and a nonperforming loan ratio of 0.08%. BankHealthData assigns a composite Health Grade of B (67/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Carrollton Bank (FDIC cert 12383) is a mid-sized bank with $3.4B in total assets and $3.1B in deposits, based in Carrollton, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 9.39% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.08% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.22% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Carrollton Bank carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Carrollton Bank
- Total Assets
- $3.4B
- Total Deposits
- $3.1B
- Tier 1 Capital Ratio
- 9.39%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.08%
- Liquidity Ratio
- 15.80%
- Return on Assets
- 1.22%
- Headquarters
- Carrollton, Illinois
- FDIC Certificate
- #12383
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Carrollton Bank files quarterly Call Reports with the FDIC under Certificate #12383. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Carrollton Bank holds a Tier 1 capital ratio of 9.39%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Carrollton Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Carrollton Bank shows strong financial health indicators. With $3.4B in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Carrollton Bank Compares
Carrollton Bank’s Health Score of 67 is 14 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 9.39% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 0.08% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.22% is in line with or above the national ROA benchmark of ~1.1%. Among 420 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort. Site-wide, Carrollton Bank is 13 points below the portfolio average of 80.
Frequently Asked Questions
Carrollton Bank has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.39%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Carrollton Bank's Tier 1 capital ratio of 9.39% and nonperforming loan ratio of 0.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Carrollton Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12383). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Carrollton Bank holds $3.4B in total assets and $3.1B in total deposits. It is headquartered in Carrollton, Illinois (FDIC Certificate #12383).
Carrollton Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #12383 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Carrollton Bank has a Tier 1 capital ratio of 9.39%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.08%, and the return on assets is 1.22%.
Yes. Carrollton Bank is FDIC-insured (Certificate #12383). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Carrollton Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.