FDIC Cert #1611 · Carrollton, Missouri · Est. 1919

Carroll County Trust Company of Carrollton, Missouri - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$205M
Total assets
D
Health grade · Weak
0.32%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Carroll County Trust Company of Carrollton, Missouri earns a PlainBankData health grade of D (45/100), with 9.32% Tier 1 capital, 0.32% ROA, 89% efficiency ratio.

#2,971
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
9.32%
Tier 1 ratio - below the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 1611 · MO D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4199/4307
  • PHOTO-FINISH UNB Bank · PA
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-THIN 0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: UNB Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Carroll County Trust Company of Carro…

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Carroll County Trust… · MO ·…45/100First Tri County Bank · NE ·…45/100Portage Bank · WA · near45/100State Savings Bank · MI · ne…45/100UNB Bank · PA · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Carroll County Trust Company of Carro… · July 2026

Call Report read for Carroll County Trust Company of Carro… in a high-failure state

Carroll County Trust Company of Carrollton, Missouri (FDIC Cert #1611) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,199 of 4,307. Tier 1 capital prints at 9.32%, missing the 10% well-capitalized line. The Texas Ratio is 2.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.32%. Balance-sheet scale is $205M, 2,971st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is UNB Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Carroll County Trust Company of Carro…

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Carroll County Trust Company of Carrollton, Missouri sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Carroll County Trust Company of Carrollton, Missouri's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Carroll County Trust Company of Carrollton, Missouri's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Carroll County Trust Company of Carrollton, Missouri's composite health score
Tier 1 Capital Ratio (9.32%) 18/40
Return on Assets (ROA) (0.32%) 7/25
Texas Ratio (2.61%) 20/20
Efficiency Ratio (88.51%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$205M

Total balance-sheet footings

Total Deposits

$178M

Customer-funded liabilities

Net Loans

$92M

Outstanding loan book

Net Income

$663K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.92% 9.32% 10.72%
Basel III capital ratios - Carroll County Trust Company of Carrollton, Missouri

Where Carroll County Trust Company of Carrollton, Missouri ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Carroll County Trust Company of Carrollton, Missouri's score of 45/100 falls in the highlighted band.

Carroll County Trust Company of Carrollton, Missouri: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Carroll County Trust Company of Carro… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Carroll County Trust Company of Carrollton, Missouri's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Carroll County Trust Company of Carrollton, Missouri's $205M falls in the highlighted band.

Capital & credit buffers at Carroll County Trust Company of Carro…

Tier 1 capital ratio
Well-capitalized 10%

9.32% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.32%
Texas Ratio
2.61%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: Carroll County Trust Company of Carro…

Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
5.38%
Efficiency Ratio
88.51%

What these mean →

Income & expense at Carroll County Trust Company of Carro…

$9M
Interest Income
$659K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Carroll County Trust Company of Carrollton, Missouri reports a Texas Ratio of 2.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Carroll County Trust Company of Carrollton, Missouri

Carroll County Trust Company of Carrollton, Missouri's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.32% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Carroll County Trust Company of Carrollton, Missouri up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Carroll County Trust Company of Carrollton, Missouri on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($205M here), outside Missouri so the neighborhood is not state containment.

South Central State Bank $205M · NE Farmers and Merchants Bank $205M · NE Southern Hills Community Bank $205M · OH NorthStar Bank $205M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Carroll County Trust Company of Carrollton, Missouri (FDIC Cert #1611) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Carroll County Trust Company of Carrollton, Missouri Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%