Total Assets
$3.8B
Total balance-sheet footings
FDIC Cert #12383 · Carrollton, Illinois · Est. 1877
Carrollton Bank - FDIC Bank Health Profile
A community-scale look at Carrollton Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.8B
- Total assets
- B
- Health grade · Good
- 1.04%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Carrollton Bank earns a PlainBankData health grade of B (70/100), with 9.81% Tier 1 capital, profitable at 1.04% ROA, efficient (57% cost ratio).
- #350
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 9.81%
- Tier 1 ratio - below the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Carrollton Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Carrollton Bank's composite health score
Tier 1 Capital Ratio (9.81%) 18/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (1.71%) 20/20
Efficiency Ratio (57.06%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.5B
Customer-funded liabilities
Net Loans
$2.9B
Outstanding loan book
Net Income
$38M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Carrollton Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Carrollton Bank's score of 70/100 falls in the highlighted band.
Carrollton Bank'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). Carrollton Bank's $3.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.81% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.81%
Texas Ratio
1.71%
Equity Capital
$293M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
13.52%
Efficiency Ratio
57.06%
What the numbers say about Carrollton Bank
Carrollton Bank is an FDIC-insured institution (Certificate #12383) headquartered in Carrollton, Illinois, established in 1877. It holds $3.8B in total assets - 350th of 4,313 FDIC-insured banks, $3.5B in customer deposits, and $2.9B in net loans. Looking at capital strength, Tier 1 stands at 9.81%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.71%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), 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.
Carrollton Bank's asset base places it among the largest FDIC-insured institutions in the country, 350th of 4,313 nationally, and 20th of 330 banks headquartered in Illinois. Only United Community Bank ($4.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$199M
Interest Income
$16M
Non-Interest Income
$74M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Carrollton Bank reports a Texas Ratio of 1.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Carrollton Bank (FDIC Cert #12383) - 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 Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Carrollton Bank's health grade?▼
Carrollton Bank receives a health grade of B (70/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is Carrollton Bank?▼
Carrollton Bank holds $3.8B in total assets and $3.5B in deposits, ranking 350th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carrollton, Illinois.
Is my money safe at Carrollton Bank?▼
Yes, deposits at Carrollton Bank (Certificate #12383) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Carrollton Bank's Tier 1 Capital Ratio?▼
Carrollton Bank has a Tier 1 Capital Ratio of 9.81%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Carrollton Bank?▼
Carrollton Bank has a Texas Ratio of 1.71%. 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 Carrollton Bank?▼
Carrollton Bank has an Efficiency Ratio of 57.06%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Carrollton Bank's profile as a depositor or analyst.
- Carrollton Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Carrollton Bank against other Illinois banks before moving funds. Illinois 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.