Carrollton Bank: how it compares with its peers
Against 31 IL banks with half to twice its assets, Carrollton Bank's strongest measure in Q2 2026 is assets per employee ($12.6M vs. a $12.7M peer median). Its weakest relative measure is return on assets (1.06% vs. 1.43%).
| Measure | Carrollton Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.43% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.39% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.89% | 49.49% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.6M | $12.7M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.55% | 87.26% | Context |
What it means for lending operations
Its efficiency ratio of 57.89% is above the 49.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
- Parkway Bank and Trust Company Harwood Heights, IL · $3.66B
- United Community Bank Chatham, IL · $4.13B
- Village Bank and Trust, National Association Arlington Heights, IL · $3.63B
- Old Plank Trail Community Bank, National Association New Lenox, IL · $3.53B
- State Bank of India Chicago, IL · $4.32B
Questions about Carrollton Bank
How big is Carrollton Bank?
Carrollton Bank, established in 1877, is headquartered in Carrollton, IL. It reported $3.88B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Carrollton Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.43% median for 31 IL banks with half to twice its assets, ahead of 16% of them.
What is Carrollton Bank's efficiency ratio?
57.89% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 49.49%, and lower is better.
Is Carrollton Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 5.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.