BlastPoint's Banking Scorecard
Carroll County Trust Company of Carrollton, Missouri
Micro
Specialty: Agricultural
MO
FDIC cert 1611
Designations: ✓ Community bank
Carrollton, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Carroll County Trust Company of Carrollton, Missouri faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.2M
-2.2% YoY
-0.9% QoQ
|
-$12.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$92.1M
+17.7% YoY
+4.9% QoQ
|
-$47.1M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$177.6M
-3.7% YoY
+4.2% QoQ
|
-$6.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.32%
+12.9% YoY
+6.6% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.42%
+11.8% YoY
+1.9% QoQ
|
-1.43% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
88.51%
-5.2% YoY
+3.0% QoQ
|
+20.79% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.41%
+16.3% YoY
-40.0% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
51.88%
+22.2% YoY
+0.7% QoQ
|
-22.65% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.79%
+1.8% YoY
+3.4% QoQ
|
-4.61% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.18%
+40.0% YoY
-36.5% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+8.4% YoY
+34.9% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.42%
(Tier avg: 3.85%, National avg: 3.75%)
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%
Top Strengths
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
54
54th pctile
Total Deposits
Current: $177.6M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $205.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.88% · Tier avg: 74.53%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.51% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.42% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.42% · Tier avg: 3.85%
10
10th pctile
Efficiency Ratio
Current: 88.51% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.88% · Tier avg: 74.53%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.79% · Tier avg: 22.39%
40
40th pctile
Total Loans
Current: $92.1M · Tier avg: $139.2M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $205.2M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $177.6M · Tier avg: $183.7M
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%