# CARROLLTON BANK
CARROLLTON, IL · FDIC certificate 12383 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.88B | |
| Deposits | $3.56B | |
| Loans and leases | $2.97B | |
| Total equity | $301.2M | |
| Loans / deposits | 82.55% (p38 of band) | 87.10% |
| Liquid assets / assets | 21.48% (p51 of band) | |
| Uninsured deposits / deposits | 53.18% (p93 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.01% (p3 of band) | 10.50% |
| Unrealized securities loss / equity | -6.69% (p55 of band) | -7.75% |
| AOCI / equity | -0.32% (p49 of band) | |
| ROA (annualized) | 1.06% (p35 of band) | 1.26% |
| Net interest margin | 3.38% (p30 of band) | 3.70% |
| Efficiency ratio | 57.89% (p45 of band) | |
| Noncurrent loans | 0.36% (p37 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 356.17% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 49.77% (p52 of band) | |
| Auto loans | $940,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.9M (3% of equity) (p79 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 307 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | loans exceed deposits | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 1 | loans exceed deposits |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | liquid assets <10% |  |
| 2019-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | leverage <7% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 1 |  | leverage <7% |
| 2022-09 | 0 |  | NIM <2.5% |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | run vulnerability |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Bank to demolish strip center to expand St. Louis County branch - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQMUhGZE54UlFLeTYwUFpwS2lNR2lLS0hMdWdOYTltRlhNVkJkQmFvRXRnUWFUVVA4N0JNeTlZSTFLTWNmbmw1SGFPV1JkcC1VLUdIRGMzQWRlbHY1SDVxdHVWZGh1RTJ1RXZkcGw0ZjhQZF9zWW1LQWVmcE14SDdEdXN3eUdzNkpqcTdiS2FRRmFlOGYwVFBMSTJocEp4UQ?oc=5) · The Business Journals
- 2026-06-22 [What's that going to be on Buchanan Street in downtown Edwardsville? - theintelligencer.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNMkNGSkpOZEhaeFNDQ3FmeTF5bmYzLVYycDNOMkFkN0MzT1h4YVVLOVdrQkJuaGhiUE1aTHlTalFNYTItWkFObWl5WFFRVGhOci1LaWhLZmtaYkRHNDh5azl3cW9jX21vWmhNUG0tWUxYd3dtWDdZSkZnbExXZGpZZ0R4bGJ6TFBiWWloSE9KWERKQkNodFVuaXViVnVweDJGbFp0UnRB?oc=5) · theintelligencer.com
- 2026-02-10 [Matt Waters Joins Carrollton Bank As Commercial Banking Officer - RiverBender.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxONkk2Zi1qNWl6ZTZZa1F0ZVZMdm5TTkVQUnVCQ3hXYzdtNzdHNlVtaVBJdWxyMnkybm9pQ29GM05QYTBJdWJhQTBlcUlKNGpWODFzRWtSVUMxcVdRSjhjTVoxb1ZScjNfOFNJNzRlN2RidHp3UU4xNkdITGRESVpCanEzT2xWWHE1N1ZMTy1ZY2ZSNlgwckQwSUs0WTI2THdYakNTVXpZQ2lpRGNfUVFweEZlQlU?oc=5) · RiverBender.com
- 2026-02-17 [Jeff Patrick Joins Carrollton Bank As Commercial Banking Officer - RiverBender.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQck9DUkxUY1JBQkRmRzY1NG1VWndneWoyNVlsNl9lWmlwbGlfQWQ1MTljYmxqaWVBdU94Sm1Mdm9BVTFJLXZ0MDEyUHc1WXNEOGRLRjgwSnpaWXFlOWV6UTlSMEp5UFNwUWI2UllvUTF3bUpYUDUyNHJqdlFtd3VVLUJ1TS1Ddl9zXzN6MEhfU3FUanJPZ01nMXNsemxpR1Rvb1VtMjJqOHh5LW9GTlotenhMSmtidw?oc=5) · RiverBender.com
- 2026-01-12 [What's that going to be on Buchanan Street in Edwardsville? - theintelligencer.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRmIxUlNrdVptY041al9xa0lZWjctSlNQT1FpTlRPckhTeWJLQ1FCSGRGWkY3aEw5TGR0VHBHREhDcHI0Tk83MmZsd2kwN1FtNGVTVGhPUDdIX0YzYk9ySHdUWWRYcVZZTV9nSTdSQUtUWC1ST09kVnpiN0FtNVE2QWFFMTVqRmprUXhGN29CWmFGUGRoSF9CbkJ0cUQ0VEx2Mi16WUN3?oc=5) · theintelligencer.com
- 2024-12-12 [Carrollton Bank to deepen investment in the Edwardsville community - Illinois Business Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxPZlhreHdTcEZtU1hDWGJVei0ydFItVzExcEtNSlV3NTFCSVM3TEFjcGdZU2NDQ1RBZE5NRU1kb2I0YUo5aHJaeU9BU2kzOUs1VGFSNElpejVXeE9rVnVLVHhURE9ScWZfeTMtWlY0TDlkUmRjb283cTVINm83M0sxWjV3MUVjZmY3bUlNT0hSd2FmUEdxdGtnc09XcV9hZEtmN3pTNE9Saw?oc=5) · Illinois Business Journal
- 2025-07-01 [Kelsey Varner - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZW03ZmtlQm51UnJTbFc3UFpnZk84SldLaHR4SDFTbjd4V0RSSVY5NkJuTTQxUktLdWhoWEtGRlVBc1U3RnBXcjVDZk1iWkN2QzJtVUZ2SUdhd1E3WWpvTGxkRnVJdUlxdzlZamZNYm1uTmxobUJBckVLRV8yeFhvdFRTX3pMMkh4?oc=5) · springfieldbusinessjournal.com
- 2023-07-06 [One arrested after Godfrey bank robbery - Alton Telegraph](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOFBaNjJKYmhSWGhPY1prNndDdkYzU0hDMERLYUpTUF9Ka242TXpxWHlrS2dFdU1kQ21scnl3WjV3OWl4RzNIWXI0X3JRVjZRSC1WTFhEbWVwVGxTazNZX1pmdUdRYlZZNEpBVGxVUHZ3YkxINlloalNCTmR6a09Kb3dSa2ZoZlJ4VDFyNjBnODNxQQ?oc=5) · Alton Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12383 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "12383", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide