Carroll Bank and Trust

19510 West Main Street
Huntingdon, TN 38344

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 2380
Date Established 1907
Assets $0.27 billion
Loans $0.21 billion
Deposits $0.24 billion
Capital $0.03 billion

Carroll Bank and Trust is an FDIC insured institution located in Huntingdon, TN. It was founded in 1907 and has approximately $0.27 billion in assets. Customers can open an account at one of its 8 branches.

For a more detailed analysis of Carroll Bank and Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Carroll Bank and Trust’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Tennessee, Carroll Bank and Trust has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.84
Multifamily
Mortgages
0.17
Credit Card Loans 0.00
Consumer Auto Loans 4.91
Small Business Loans 17.86
Construction and Development Loans 5.53
Commercial Real Estate 22.44
Commercial and Industrial Loans 5.76
Farm Loans 4.96

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.35% $500 - Learn MoreShow Less
6 Mo CD 10K
0.40% $500 - Learn MoreShow Less
Special: 7 Mo CD
0.80% $10,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $2,500 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.60% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.20% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Carroll Bank and Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Carroll Bank and Trust
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Branches

Carroll Bank and Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Carroll Bank And Trust Locations

Financial Details

Carroll Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Carroll Bank and Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Carroll Bank and Trust U.S. Bank Average
3.34% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Carroll Bank and Trust had $387,000 in non-current loans and $561,000 in owned real estate. To cover these potential losses it had $26,685,000 in equity and $1,683,000 in loans loss reserves. That gives it a Texas Ratio of 3.34%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Carroll Bank and Trust U.S. Bank Average
6% 8.58

Carroll Bank and Trust has a Return on Equity of 6% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Carroll Bank and Trust U.S. Bank Average
9.87% 12.11

Carroll Bank and Trust has a Capitalization of 9.87% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Carroll Bank and Trust Balance Sheet Analysis

As of June 30, 2017, Carroll Bank and Trust had assets of $270,328,000, loans of $207,397,000, and deposits of $242,737,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Carroll Bank and Trust

Branches and Savings

Is Carroll Bank and Trust FDIC insured?

Yes. It is covered under FDIC Certificate #2380.

Why does Carroll Bank and Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Carroll Bank and Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Carroll Bank and Trust a commercial bank?

Yes

Where are Carroll Bank and Trust locations?

See branch locations nearby.

Is Carroll Bank and Trust open on Saturdays?

Is Carroll Bank and Trust open on Sundays?

What time does Carroll Bank and Trust open?

What time does Carroll Bank and Trust close?

Are Carroll Bank and Trust ATMs Open 24/7?

Do Carroll Bank and Trust ATMs accept cash deposits?

Can Carroll Bank and Trust customers use other ATMs?

Do Carroll Bank and Trust branches have notaries?

Will Carroll Bank and Trust notarize my document?

What address for Carroll Bank and Trust should I put for incoming ACH transfers?

Will the Carroll Bank and Trust branch print checks?

Do Carroll Bank and Trust checks expire?

Does Carroll Bank and Trust require US citizenship to open account?

Can Carroll Bank and Trust close my account?

Does Carroll Bank and Trust Report to credit bureaus?

Does Carroll Bank and Trust Use Equifax?

What is Carroll Bank and Trust's ACH Routing Number?

What is Carroll Bank and Trust's SWIFT code?

Products

Does Carroll Bank and Trust offer mortgages?

Compare mortgage rates here.

Does Carroll Bank and Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Carroll Bank and Trust offer personal loans?

Compare personal loan rates here.

Does Carroll Bank and Trust offer student loans?

Will Carroll Bank and Trust cash a check?

Will Carroll Bank and Trust redeem a savings bond?

Does Carroll Bank and Trust cash savings bonds?

Will Carroll Bank and Trust cash money orders?

Can Carroll Bank and Trust issue a money order?

Does Carroll Bank and Trust do currency exchange?

Background on The Bank

Who owns Carroll Bank and Trust?

How long has Carroll Bank and Trust been around?

Can Carroll Bank and Trust transfer to other banks?

Does Carroll Bank and Trust have quick pay?

Does Carroll Bank and Trust accept rolled coins?

Will Carroll Bank and Trust accept loose change?

Where is Carroll Bank and Trust headquarters?

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