Carroll Bank and Trust: how it compares with its peers
Against 44 TN banks with half to twice its assets, Carroll Bank and Trust's strongest measure in Q2 2026 is net interest margin (3.89% vs. a 4.00% peer median). Its weakest relative measure is return on assets (0.89% vs. 1.11%).
| Measure | Carroll Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.89% | 1.11% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 4.00% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.08% | 65.23% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.5M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.16% | 83.96% | Context |
What it means for lending operations
Its efficiency ratio of 70.08% is above the 65.23% 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 Hardin County Bank Savannah, TN · $677M
- BankTennessee Collierville, TN · $630M
- Andrew Johnson Bank Greeneville, TN · $612M
- Wayne County Bank Waynesboro, TN · $595M
- INSOUTH Bank Brownsville, TN · $592M
- TriStar Bank Dickson, TN · $563M
Questions about Carroll Bank and Trust
How big is Carroll Bank and Trust?
Carroll Bank and Trust, established in 1907, is headquartered in Huntingdon, TN. It reported $662M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Carroll Bank and Trust's return on assets?
0.89% annualized in Q2 2026, against a 1.11% median for 44 TN banks with half to twice its assets, ahead of 27% of them.
What is Carroll Bank and Trust's efficiency ratio?
70.08% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 65.23%, and lower is better.
Is Carroll Bank and Trust growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits grew 8.8%.
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 TN 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 Tennessee bank ranked.