Carroll Bank&Trust (FDIC #2380): Bank Stress & Real-Estate Credit Exposure
Carroll Bank&Trust (FDIC Cert #2380): bank stress 81/100, severe, STABLE over 7 days; parent CARROLL FINANCIAL SERVICES INC.
Carroll Bank&Trust (#2380) lends in 6 counties across 1 state; Carroll Bank&Trust (#2380) reaches 57 ZIP codes: Tennessee 6 counties, 57 ZIPs.
Carroll Bank&Trust (#2380) largest markets: Carroll County, TN (56 branches, 14 ZIPs) (#2380), Henderson County, TN (14 branches, 14 ZIPs) (#2380), Gibson County, TN (26 branches, 13 ZIPs) (#2380), Madison County, TN (13 branches, 13 ZIPs) (#2380), Henry County, TN (9 branches, 9 ZIPs) (#2380), Benton County, TN (7 branches, 7 ZIPs) (#2380).
Carroll Bank&Trust (#2380) reports $662.1 million in total assets; Carroll Bank&Trust (#2380) equity $50.2 million (7.6% of Carroll Bank&Trust (#2380) assets); Carroll Bank&Trust (#2380) domestic deposits $605.5 million; Carroll Bank&Trust (#2380) net income $2.9 million; Carroll Bank&Trust (#2380) return on assets 0.89%; Carroll Bank&Trust (#2380) return on equity 11.82%; Carroll Bank&Trust (#2380) net interest income $11.8 million; Carroll Bank&Trust (#2380) call report June 30, 2026.
Carroll Bank&Trust (#2380) noncurrent real-estate loans 0.06% of its book; Carroll Bank&Trust (#2380) net charge-offs on real estate 1.41%; Carroll Bank&Trust (#2380) multifamily charge-offs 10.58%; Carroll Bank&Trust (#2380) residential charge-offs 2.91%.
Carroll Bank&Trust (#2380) net interest margin 3.89% against an eight-quarter Carroll Bank&Trust (#2380) average of 3.82% (Carroll Bank&Trust (#2380) compression -0.07 points); Carroll Bank&Trust (#2380) real-estate loans 6.4% of equity; Carroll Bank&Trust (#2380) non-residential real estate 290.9% of equity; Carroll Bank&Trust (#2380) rate-exposure score 40/100, Carroll Bank&Trust (#2380) fixed-rate trap 40/100; Carroll Bank&Trust (#2380) risk type credit driven; Carroll Bank&Trust (#2380) rate regime rates elevated, Carroll Bank&Trust (#2380) snapshot October 19, 2026.
Carroll Bank&Trust (#2380) stress score moved from 82.8 on June 22, 2026 to 81.3 on October 20, 2026; Carroll Bank&Trust (#2380) ranged 81.3 to 82.8 over 117 snapshots.
Carroll Bank&Trust (#2380) alerts: 6 counties; top Carroll Bank&Trust (#2380) alert scores: Jackson County, TN 40 (moderate); Camden County, TN 27 (low); Lexington County, TN 27 (low); Mclemoresville County, TN 27 (low); Milan County, TN 27 (low).