Total Assets
$205M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Carroll County Trust Company of Carrollton, Missouri — FDIC Bank Health Profile
Carrollton, Missouri · Est. 1919. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #1611 Kansas City Region
F
Health grade
At Risk
Score: 7/100
Basel III capital ratios — Carroll County Trust Company of Carrollton, Missouri
Total Deposits
$178M
Customer-funded liabilities
Net Loans
$92M
Outstanding loan book
Net Income
$663K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$13M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.32%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.38%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
88.51%
Income & Expense Breakdown
$9M
Interest Income
$659K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Carroll County Trust Company of Carrollton, Missouri is FDIC-insured (Certificate #1611). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Carroll County Trust Company of Carrollton, Missouri
Carroll County Trust Company of Carrollton, Missouri is an FDIC-insured institution (Certificate #1611) headquartered in Carrollton, Missouri, established in 1919. The bank currently holds $205M in total assets and $178M in customer deposits, with $92M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Carroll County Trust Company of Carrollton, Missouri reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $13M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.32% and a Return on Equity of 5.38%, with an Efficiency Ratio of 88.51% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (7/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Carroll County Trust Company of Carrollton, Missouri is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Missouri by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Carroll County Trust Company of Carrollton, Missouri (FDIC Cert #1611) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National Association Kansas City | $72.8B | C | 1.01% |
| Commerce Bank Kansas City | $32.7B | B | 1.74% |
| The Central Trust Bank Jefferson City | $20.8B | B | 1.82% |
| Stifel Bank and Trust Saint Louis | $19.4B | B | 1.82% |
| Enterprise Bank & Trust Clayton | $17.3B | C | 1.29% |
| Stifel Bank Saint Louis | $11.7B | C | 1.49% |
| First Bank St. Louis | $6.7B | C | 0.51% |
| Great Southern Bank Reeds Spring | $5.6B | B | 1.31% |
Frequently Asked Questions
What is Carroll County Trust Company of Carrollton, Missouri's health grade? ▼
Carroll County Trust Company of Carrollton, Missouri receives a health grade of F (7/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Carroll County Trust Company of Carrollton, Missouri? ▼
Carroll County Trust Company of Carrollton, Missouri holds $205M in total assets and $178M in deposits. It is headquartered in Carrollton, Missouri.
Is my money safe at Carroll County Trust Company of Carrollton, Missouri? ▼
Yes. Carroll County Trust Company of Carrollton, Missouri is FDIC-insured (Certificate #1611). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Carroll County Trust Company of Carrollton, Missouri's Tier 1 Capital Ratio? ▼
Carroll County Trust Company of Carrollton, Missouri has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Carroll County Trust Company of Carrollton, Missouri? ▼
Carroll County Trust Company of Carrollton, Missouri has an Efficiency Ratio of 88.51%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.