BlastPoint's Banking Scorecard

Carrollton Bank

Community Specialty: Commercial IL FDIC cert 12383

Carrollton, IL

1484 banks in Community tier nationally 87 in IL

View Community leaderboard (IL) →

Carrollton Bank faces 2 concerns requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11% in Community
- Credit Quality Pressure: Bottom 19% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.8B +9.3% YoY +0.9% QoQ	+$2.4B	$1.4B +2.0% YoY	$2.3B +4.6% YoY	$5.9B +6.5% YoY	Top 4% in tier
Total Loans ?	$2.9B +3.7% YoY +4.1% QoQ	+$1.9B	$975.5M +2.4% YoY	$1.2B +2.7% YoY	$3.1B +8.5% YoY	Top 3% in tier
Total Deposits ?	$3.5B +9.3% YoY +0.9% QoQ	+$2.3B	$1.2B +1.7% YoY	$1.9B +4.2% YoY	$4.7B +6.3% YoY	Top 2% in tier
Return on Assets ?	1.04% +10.6% YoY +0.9% QoQ	-0.12%	1.16% +17.2% YoY	1.03% +18.8% YoY	1.12% +15.6% YoY	43%
Net Interest Margin ?	3.20% +1.7% YoY +1.8% QoQ	-0.47%	3.66% +9.1% YoY	3.52% +8.1% YoY	3.75% +7.1% YoY	25%
Efficiency Ratio ?	57.06% -3.5% YoY -0.8% QoQ	-5.57%	62.63% -5.3% YoY	66.24% -5.4% YoY	65.09% -5.1% YoY	67%
Delinquency Rate ?	0.20% +68.2% YoY -4.4% QoQ	-0.43%	0.63% +18.3% YoY	0.79% +21.0% YoY	0.66% +20.3% YoY	70%
Loan-to-Deposit Ratio ?	82.01% -5.1% YoY +3.2% QoQ	-1.05%	83.06% +0.3% YoY	73.97% +1.0% YoY	78.04% +0.7% YoY	58%
Non-Interest-Bearing Deposit Share ?	16.77% -2.6% YoY +3.1% QoQ	-4.28%	21.05% -0.9% YoY	19.72% -1.0% YoY	21.79% -1.3% YoY	33%
Nonperforming Asset Ratio ?	0.15% +59.7% YoY -1.4% QoQ	-0.35%	0.50% +20.3% YoY	0.53% +18.6% YoY	0.48% +20.8% YoY	71%
Tier 1 Capital Ratio ?	9.81% +3.5% YoY -3.0% QoQ	-0.44%	10.24% -0.6% YoY	10.12% -4.0% YoY	9.75% -1.9% YoY	30%
Non-Interest Income / Assets ?	0.42% +24.0% YoY +22.0% QoQ	-0.32%	0.74% -1.3% YoY	0.66% +2.5% YoY	0.65% +0.6% YoY	38%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Risk Growth

risk

#72 of 642 · Bottom 11% in Community

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

642 of 642 Community banks match · 759 nationally

→ Stable +24 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#156 of 808 · Bottom 19% in Community

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.63%, National: 0.66%)

better than tier avg

808 of 808 Community banks match · 961 nationally

→ Stable +22 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Deposits

Current: $3.5B · Tier avg: $1.2B

98th pctile

Total Loans

Current: $2.9B · Tier avg: $975.5M

97th pctile

Total Assets

Current: $3.8B · Tier avg: $1.4B

96th pctile

Nonperforming Asset Ratio

Current: 0.15% · Tier avg: 0.50%

71th pctile

Delinquency Rate

Current: 0.20% · Tier avg: 0.63%

70th pctile

Efficiency Ratio

Current: 57.06% · Tier avg: 62.63%

67th pctile

Loan-to-Deposit Ratio

Current: 82.01% · Tier avg: 83.06%

58th pctile

Return on Assets

Current: 1.04% · Tier avg: 1.16%

43th pctile

Non-Interest Income / Assets

Current: 0.42% · Tier avg: 0.74%

38th pctile

Non-Interest-Bearing Deposit Share

Current: 16.77% · Tier avg: 21.05%

33th pctile

Tier 1 Capital Ratio

Current: 9.81% · Tier avg: 10.24%

30th pctile

Net Interest Margin

Current: 3.20% · Tier avg: 3.66%

25th pctile

Top Weaknesses