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Carrollton Bank
Carrollton, IL·FDIC Cert #12383·Charter: STATE·Est. 18770101.0·HC: CBX CORP
Total Assets
$3.8B
Q4 2025
Return on Assets
1.04%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.06%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.04%+0.01
ROE
13.52%+0.14
Efficiency
57.06%-0.48
Equity/Assets
0.00%+0.00
NPL Ratio
0.20%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.01%+2.57
Charge-offs
0.13%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 0.9 | 1.2 | 1.0 | 1.0 | 1.0 |
| ROE | 12.3 | 11.8 | 12.0 | 12.3 | 15.7 | 13.4 | 13.4 | 13.5 |
| Efficiency | 61.4 | 60.2 | 59.8 | 59.1 | 55.9 | 57.9 | 57.5 | 57.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Charge-offs | -0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.2 | 0.1 | 0.1 |
| Loan/Deposit | 85.2 | 88.5 | 86.7 | 86.4 | 83.3 | 82.2 | 79.4 | 82.0 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.5B
Total Loans$2.9B
Total Equity$292.6M
Profitability
ROA1.04%
ROE13.52%
Efficiency Ratio57.06%
Net Income$38.4M
Risk & Asset Quality
NPL Ratio0.20%
Charge-off Rate0.13%
Loan/Deposit82.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans