Total Assets
$205M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$178M
Customer-funded liabilities
Net Loans
$92M
Outstanding loan book
Net Income
$663K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.32%
Return on Equity (ROE)
5.38%
Efficiency Ratio
88.51%
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. It holds $205M in total assets - 2,971st of 4,313 FDIC-insured banks, $178M in customer deposits, and $92M in net loans. Looking at capital strength, Tier 1 stands at 9.32%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.61%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Carroll County Trust Company of Carrollton, Missouri ranks 125th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Missouri by total assets
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
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 D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your 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, ranking 2,971st of 4,313 FDIC-insured banks by asset size. It is headquartered in Carrollton, Missouri.
Is my money safe at Carroll County Trust Company of Carrollton, Missouri?▼
Yes, deposits at Carroll County Trust Company of Carrollton, Missouri (Certificate #1611) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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 9.32%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Carroll County Trust Company of Carrollton, Missouri?▼
Carroll County Trust Company of Carrollton, Missouri has a Texas Ratio of 2.61%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
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.
What to do with this
How to read Carroll County Trust Company of Carrollton, Missouri's profile as a depositor or analyst.
- Carroll County Trust Company of Carrollton, Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Carroll County Trust Company of Carrollton, Missouri against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.