Carrollton Federal Bank: how it compares with its peers
Against 13 KY banks with half to twice its assets, Carrollton Federal Bank's strongest measure in Q2 2026 is return on assets (0.73% vs. a 0.72% peer median). Its weakest relative measure is assets per employee ($4.4M vs. $5.0M).
| Measure | Carrollton Federal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.73% | 0.72% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 4.12% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.43% | 75.45% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $5.0M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.19% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 77.43% is above the 75.45% 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
- Cornerstone Community Bank Owensboro, KY · $44M
- Citizens Federal Savings and Loan Association Covington, KY · $42M
- First Federal Savings and Loan Association Morehead, KY · $41M
- Pinnacle Bank, Inc. Pikeville, KY · $58M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
- Home Savings Bank, FSB Ludlow, KY · $26M
Questions about Carrollton Federal Bank
How big is Carrollton Federal Bank?
Carrollton Federal Bank, established in 1890, is headquartered in Carrollton, KY. It reported $44M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Carrollton Federal Bank's return on assets?
0.73% annualized in Q2 2026, against a 0.72% median for 13 KY banks with half to twice its assets, ahead of 54% of them.
What is Carrollton Federal Bank's efficiency ratio?
77.43% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 75.45%, and lower is better.
Is Carrollton Federal Bank growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 5.5%.
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 KY 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 Kentucky bank ranked.