Carroll County Trust Company of Carrollton, Missouri: how it compares with its peers
Against 94 MO banks with half to twice its assets, Carroll County Trust Company of Carrollton, Missouri's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.1M peer median). Its weakest relative measure is efficiency ratio (88.31% vs. 59.81%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.29% | 1.37% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.55% | 4.06% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.31% | 59.81% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.47% | 81.52% | Context |
What it means for lending operations
Its efficiency ratio of 88.31% is above the 59.81% 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
- The Citizens-Farmers Bank of Cole Camp Cole Camp, MO · $207M
- Bank Northwest Hamilton, MO · $210M
- The Corner Stone Bank South West City, MO · $211M
- 1st Advantage Bank Saint Peters, MO · $212M
- Bank 21 Carrollton, MO · $202M
Questions about Carroll County Trust Company of Carrollton, Missouri
How big is Carroll County Trust Company of Carrollton, Missouri?
Carroll County Trust Company of Carrollton, Missouri, established in 1919, is headquartered in Carrollton, MO. It reported $208M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Carroll County Trust Company of Carrollton, Missouri's return on assets?
0.29% annualized in Q2 2026, against a 1.37% median for 94 MO banks with half to twice its assets, ahead of 2% of them.
What is Carroll County Trust Company of Carrollton, Missouri's efficiency ratio?
88.31% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 59.81%, and lower is better.
Is Carroll County Trust Company of Carrollton, Missouri growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits shrank 0.9%.
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 MO 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 Missouri bank ranked.