BlastPoint's Banking Scorecard
Carrollton Federal Bank
Micro
Specialty: Mortgage
KY
FDIC cert 29774
Designations: ✓ Community bank ✓ Mutual
Carrollton, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Carrollton Federal Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.5M
+4.5% YoY
-2.0% QoQ
|
-$177.0M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$26.3M
+6.3% YoY
+3.6% QoQ
|
-$112.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$34.2M
+3.5% YoY
-2.5% QoQ
|
-$149.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.68%
+28.3% YoY
+5.1% QoQ
|
-0.40% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.84%
+4.1% YoY
+1.9% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
79.06%
-5.3% YoY
-0.9% QoQ
|
+11.33% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
76.88%
+2.8% YoY
+6.2% QoQ
|
+2.35% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
13.86%
-1.3% YoY
-7.7% QoQ
|
-8.53% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
+9.5% YoY
+36.4% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 76.88% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 79.06% · Tier avg: 67.73%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.86% · Tier avg: 22.39%
9
9th pctile
Total Loans
Current: $26.3M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $34.2M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.5M · Tier avg: $217.5M
Top Weaknesses
5
5th pctile
Total Assets
Current: $40.5M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $34.2M · Tier avg: $183.7M
9
9th pctile
Total Loans
Current: $26.3M · Tier avg: $139.2M
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.86% · Tier avg: 22.39%
22
22th pctile
Efficiency Ratio
Current: 79.06% · Tier avg: 67.73%
27
27th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 76.88% · Tier avg: 74.53%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%