Carrollton Bank Mortgage Rates, Fees & Info

Carrollton, IL

LEI: 549300CP7747DCRW6U68

Tax ID: 37-0207180

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Carrollton Bank is a smaller bank specializing in Home Purchase and Refi loans. Carrollton Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Springfield, Cape Coral, Bloomington, and Phoenix among others. We have data for 62 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Carrollton Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Carrollton Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.06% 4/21/24
    30 Year Conventional Purchase 6.62% 4/21/24
    30 Year Conventional Refi 6.45% 4/21/24
    30 Year Cash-out Refi 6.66% 4/21/24
    30 Year FHA Purchase 7.28% 4/21/24
    30 Year FHA Refi 5.93% 4/21/24
    30 Year VA Purchase 5.85% 4/21/24
    30 Year VA Refi 5.67% 4/21/24
    30 Year USDA Purchase 6.60% 4/21/24
    15 Year Conventional Purchase 6.24% 4/21/24
    15 Year Conventional Refi 5.85% 4/21/24
    15 Year Cash-out Refi 5.85% 4/21/24
    15 Year FHA Purchase 6.98% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Carrollton Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Carrollton Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,316

    Origination Dollar Volume (All Markets)

    $439,110,000

    Employee count

    257 Show all (11) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1,973 $362,675,000 $183,819 $2,487 4.03%
    SPRINGFIELD, IL (FHA|USDA|VA) 132 $21,710,000 $164,470 $1,890 4.27%
    Outside of Metro Areas 72 $12,580,000 $174,722 $2,385 4.04%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $4,795,000 $959,000 $2,667 4.45%
    BLOOMINGTON, IL (FHA|USDA|VA) 23 $4,175,000 $181,522 $2,868 4.23%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 8 $4,090,000 $511,250 $3,540 4.06%
    Outside of Metro Areas 1 $3,985,000 $3,985,000 $0 4.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $2,550,000 $425,000 $3,755 4.08%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,675,000 $1,675,000 $0 5.50%
    Jacksonville, IL (FHA|USDA|VA) 9 $1,325,000 $147,222 $2,723 3.97%
    Jackson, WY-ID (FHA|USDA|VA) 1 $1,265,000 $1,265,000 $3,432 4.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $2,785 4.79%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,230,000 $307,500 $3,264 4.76%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $6,503 4.50%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $925,000 $308,333 $7,099 4.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $905,000 $181,000 $2,371 4.60%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $725,000 $725,000 $2,920 3.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $650,000 $325,000 $1,971 4.25%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $635,000 $211,667 $3,722 4.13%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $605,000 $605,000 $14,871 4.50%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $590,000 $295,000 $2,226 3.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $570,000 $285,000 $5,617 3.56%
    Lincoln, IL (FHA|USDA|VA) 5 $485,000 $97,000 $3,144 4.25%
    IOWA CITY, IA (FHA|USDA|VA) 1 $485,000 $485,000 $2,222 3.25%
    ROCHESTER, MN (FHA|USDA|VA) 2 $460,000 $230,000 $1,618 5.50%
    Traverse City, MI (FHA|USDA|VA) 1 $405,000 $405,000 $1,903 4.38%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $405,000 $405,000 $4,236 4.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $390,000 $195,000 $2,455 4.31%
    WICHITA, KS (FHA|USDA|VA) 1 $375,000 $375,000 $2,449 3.38%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $375,000 $375,000 $15,072 3.38%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,959 4.75%
    JEFFERSON CITY, MO (FHA|USDA|VA) 3 $345,000 $115,000 $2,723 5.33%
    Sikeston, MO (FHA|USDA|VA) 1 $345,000 $345,000 $0 4.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,524 3.75%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $335,000 $335,000 $3,647 5.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $335,000 $335,000 $0 5.25%
    RAPID CITY, SD (FHA|USDA|VA) 1 $275,000 $275,000 $2,625 4.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $250,000 $125,000 $1,964 3.88%
    Farmington, MO (FHA|USDA|VA) 2 $220,000 $110,000 $2,378 4.13%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,986 4.25%
    PEORIA, IL (FHA|USDA|VA) 1 $215,000 $215,000 $1,415 3.75%
    Taylorville, IL (FHA|USDA|VA) 1 $215,000 $215,000 $1,589 5.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,137 4.00%
    Effingham, IL (FHA|USDA|VA) 1 $205,000 $205,000 $1,699 3.13%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $185,000 $185,000 $2,832 3.88%
    COLUMBIA, MO (FHA|USDA|VA) 1 $165,000 $165,000 $1,557 4.38%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,162 3.75%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,230 4.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $155,000 $155,000 $2,632 3.75%
    DECATUR, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,766 4.13%
    PUEBLO, CO (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $120,000 $60,000 $1,897 1.94%
    VALDOSTA, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.25%
    Paris, TN (FHA|USDA|VA) 1 $85,000 $85,000 $2,477 3.38%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,654 5.50%
    Warrensburg, MO (FHA|USDA|VA) 1 $75,000 $75,000 $2,228 4.13%
    Branson, MO (FHA|USDA|VA) 3 $65,000 $21,667 $846 5.00%
    Rolla, MO (FHA|USDA|VA) 2 $60,000 $30,000 $963 5.75%
    Centralia, IL (FHA|USDA|VA) 2 $60,000 $30,000 $3,397 2.25%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,736 4.75%
    Quincy, IL-MO (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $40,000 $20,000 $0 4.56%
    Carrollton Bank's top markets include St. Louis, Springfield, Cape Coral, Bloomington, and Phoenix among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Carrollton Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ILLINOIS STATE CREDIT UNION
    Similarity Rank: 110
    HEARTLAND
    Similarity Rank: 182
    WEST COMMUNITY
    Similarity Rank: 190
    First State Bank
    Similarity Rank: 250
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    Morton Community Bank
    Similarity Rank: 310
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442
    CapGrow Home Mortgage, LLC
    Similarity Rank: 450

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,947 $378,885,000 $194,599 $2,005 4.14%
    FHA 230 $28,150,000 $122,391 $4,639 3.61%
    VA 121 $30,035,000 $248,223 $4,330 3.63%
    USDA 18 $2,040,000 $113,333 $3,213 3.76%

    For 2019, Carrollton Bank's most frequently originated type of loan was Conventional, with 1,947 originations. Their 2nd most popular type was FHA, with 230 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,544 $266,720,000 $172,746 $2,879 4.03%
    Refi 514 $121,500,000 $236,381 $1,702 4.01%
    Cash Out Refi 203 $42,745,000 $210,567 $1,959 4.10%
    Home Improvement 43 $5,825,000 $135,465 $1,277 5.32%
    Other 12 $2,320,000 $193,333 $1,591 4.51%

    For 2019, Carrollton Bank's most frequently cited loan purpose was Home Purchase, with 1,544 originations. The 2nd most popular reason was Refi, with 514 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,471 $310,655,000 $211,186 $2,841 4.16%
    15 Year 311 $48,945,000 $157,379 $1,510 3.87%
    5 Year 230 $33,030,000 $143,609 $372 3.48%
    Other 83 $15,895,000 $191,506 $1,767 5.52%
    10 Year 74 $3,490,000 $47,162 $590 1.18%
    1 Year 53 $12,035,000 $227,075 $3,350 5.45%
    20 Year 52 $8,820,000 $169,615 $1,663 4.06%
    3 Year 42 $6,240,000 $148,571 $0 5.49%

    For 2019, Carrollton Bank's most frequently cited loan duration was 30 Year, with 1,471 originations. The 2nd most popular length was 15 Year, with 311 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,699 $336,195,000 $197,878
    $1k-2k 59 $11,605,000 $196,695
    $2k-3k 43 $7,505,000 $174,535
    $3k-4k 5 $1,965,000 $393,000
    $5k+ 3 $3,945,000 $1,315,000
    $4k-5k 1 $485,000 $485,000

    Carrollton Bank's average total fees were $2,841, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,699 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 982 $206,960,000 $210,754
    4-5% 739 $152,445,000 $206,286
    5-6% 386 $69,960,000 $181,244
    <2.5% 134 $680,000 $5,075
    2.5-3% 44 $6,300,000 $143,182
    6-7% 29 $2,165,000 $74,655

    During 2019, Carrollton Bank's average interest rate for loans was 4.16%, while their most frequently originated rate bucket for loans was 3-4%, with 982 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 812 $117,720,000 $144,975 $2,657 4.18%
    $100,000 or less 754 $40,840,000 $54,164 $1,709 3.81%
    $200k-400k 559 $152,815,000 $273,372 $2,743 4.13%
    $400k-600k 127 $59,325,000 $467,126 $2,790 4.23%
    $600k-1MM 39 $28,115,000 $720,897 $3,875 4.52%
    $1MM+ 25 $40,295,000 $1,611,800 $4,400 4.43%

    2019 saw Carrollton Bank place emphasis on $100k-200k loans with 812 originations, totaling $117,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 496 $41,620,000 $83,911 $2,539 3.52%
    $50k-75k 442 $56,240,000 $127,240 $2,434 3.79%
    $100k-150k 356 $75,010,000 $210,702 $2,456 4.11%
    $75k-100k 289 $46,635,000 $161,367 $2,557 3.99%
    $150k-250k 264 $70,640,000 $267,576 $2,630 4.20%
    $250k+ 186 $79,300,000 $426,344 $2,521 4.27%

    Carrollton Bank lent most frequently to those with incomes in the $50k or less range, with 496 originations. The second most popular income band? $50k-75k, with 442 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 470 $90,920,000 $193,447 $2,162 3.85%
    30-36% 381 $69,075,000 $181,299 $2,476 3.84%
    <20% 210 $48,590,000 $231,381 $2,119 3.90%
    36% 90 $14,380,000 $159,778 $2,362 3.78%
    39% 86 $12,700,000 $147,674 $2,792 3.86%
    37% 83 $11,815,000 $142,349 $2,524 3.74%
    42% 79 $12,775,000 $161,709 $2,664 3.97%
    44% 73 $10,985,000 $150,479 $2,813 3.64%
    41% 64 $12,170,000 $190,156 $2,791 3.61%
    43% 64 $9,380,000 $146,563 $2,553 3.57%
    38% 61 $9,445,000 $154,836 $2,780 3.69%
    40% 60 $13,220,000 $220,333 $2,443 4.18%
    50-60% 59 $12,395,000 $210,085 $4,365 4.09%
    45% 57 $9,005,000 $157,982 $2,848 3.98%
    47% 44 $7,370,000 $167,500 $3,007 3.64%
    49% 41 $7,365,000 $179,634 $2,795 3.98%
    46% 37 $7,965,000 $215,270 $3,232 4.02%
    48% 30 $5,660,000 $188,667 $2,677 4.32%
    >60% 19 $5,595,000 $294,474 $2,052 4.72%

    Carrollton Bank lent most frequently to those with DTI ratios of 20-30%, with 470 originations. The next most common DTI ratio? 30-36%, with 381 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,669 $326,505,000 $195,629 $2,378 3.99%
    Not applicable 219 $49,995,000 $228,288 $0 5.54%
    Black 233 $25,365,000 $108,863 $3,219 3.30%
    Not provided 127 $24,855,000 $195,709 $2,908 3.87%
    Asian 56 $10,030,000 $179,107 $2,310 4.10%
    American Indian 6 $1,230,000 $205,000 $2,637 4.13%
    Asian Indian 3 $815,000 $271,667 $2,473 3.38%
    Vietnamese 1 $205,000 $205,000 $1,567 3.75%
    Native Hawaiian or Islander 1 $105,000 $105,000 $0 5.75%
    Chinese 1 $5,000 $5,000 $5 0.00%

    Approval Rates

    Total approvals of all applications
    93.50%

    Carrollton Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.83%

    Carrollton Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,316 $439,110,000 $189,598

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 32 $21,780,000 $680,625
    Single Family (1-4 Units):Manufactured 9 $705,000 $78,333
    Single Family (1-4 Units):Site-Built 2,275 $416,625,000 $183,132

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 87 $11,095,000 $127,529 $1,484 4.26%
    40-60% 188 $39,920,000 $212,340 $1,837 4.14%
    60-80% 782 $180,570,000 $230,908 $2,123 4.41%
    80-100% 1,008 $187,650,000 $186,161 $3,103 4.21%
    Over 100% 19 $8,015,000 $421,842 $8,423 3.94%
    Under 20% 208 $4,970,000 $23,894 $273 1.93%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Carrollton Bank 1001 Craig Rd Saint Louis, MO 63146 Limited, Administrative $0
    Carrollton Bank 1101 South State Street Jerseyville, IL 62052 Full Service B&M $145,515
    Carrollton Bank 11710 Manchester Road Des Peres, MO 63131 Full Service B&M $280,687
    Carrollton Bank 120 Homer Adams Parkway Alton, IL 62002 Full Service B&M $138,794
    Carrollton Bank 136 Northport Drive Godfrey, IL 62035 Limited, Drive-thru $0
    Carrollton Bank 1575 North Green Mount Road O Fallon, IL 62269 Full Service B&M $132,376
    Carrollton Bank 2135 West Wabash Avenue Springfield, IL 62705 Full Service B&M $247,439
    Carrollton Bank 222 East Park Street, Suite 400 Edwardsville, IL 62025 Full Service B&M $9,963
    Carrollton Bank 2777 West Clay Street Saint Charles, MO 63301 Full Service B&M $92,507
    Carrollton Bank 315 West Public Square Carrollton, IL 62016 Full Service B&M $121,107
    Carrollton Bank 5807 Murdoch Avenue Saint Louis, MO 63109 Full Service B&M $208,308
    Carrollton Bank 7911 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $205,296

    For 2019, Carrollton Bank had 12 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $79,520
    Net interest income $56,019
    Total noninterest income $12,008
    Gross Fiduciary activities income $115
    Service charges on deposit accounts $1,170
    Trading account gains and fees $0
    Additional Noninterest Income $10,723
    Pre-tax net operating income $20,271
    Securities gains (or losses, -) $0
    Income before extraordinary items $20,151
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,151
    Minority interest net income $0
    Net income $20,151
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,151

    Carrollton Bank's gross interest income from loans was $79,520,000.
    Carrollton Bank's net interest income from loans was $56,019,000.
    Carrollton Bank's fee based income from loans was $1,170,000.
    Carrollton Bank's net income from loans was $20,151,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,501
    Provision for credit losses $1,559
    Total noninterest expense $46,197
    Salaries and employee benefits $29,339
    Premises and equipment expense $5,092
    Additional noninterest expense $11,766
    Applicable income taxes $120
    Net charge-offs $849
    Cash dividends $8,450

    Carrollton Bank's interest expense for loans was $23,501,000.
    Carrollton Bank's payroll and benefits expense were $29,339,000.
    Carrollton Bank's property, plant and equipment expenses $5,092,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,778,683
    Deposits held in domestic offices $1,778,683
    Deposits by Individuals, partnerships, and corporations $1,653,671
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $122,069
    Deposits by Commercial banks and other depository institutions in U.S. $2,943
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $112,011
    Demand deposits $62,622
    Nontransaction accounts $1,666,672
    Money market deposit accounts (MMDAs) $846,471
    Other savings deposits (excluding MMDAs) $451,171
    Total time deposits $369,030
    Total time and savings deposits $1,716,061
    Noninterest-bearing deposits $287,460
    Interest-bearing deposits $1,491,223
    Retail deposits $1,567,932
    IRAs and Keogh plan accounts $25,962
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,996,752
    Cash & Balances due from depository institutions $227,270
    Interest-bearing balances $200,502
    Total securities $189,828
    Federal funds sold & reverse repurchase $5,891
    Net loans and leases $1,526,591
    Loan and leases loss allowance $21,610
    Trading account assets $0
    Bank premises and fixed assets $27,121
    Other real estate owned $107
    Goodwill and other intangibles $2,499
    All other assets $17,445

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,996,752
    Total Liabilities $1,837,885
    Total deposits $1,778,683
    Interest-bearing deposits $1,491,223
    Deposits held in domestic offices $1,778,683
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $1,524
    Trading liabilities $0
    Other borrowed funds $53,000
    Subordinated debt $0
    All other liabilities $4,678

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,526,591
    Loan and leases loss allowance $21,610
    Total loans and leases (domestic) $1,548,201
    All real estate loans $962,549
    Real estate loans in domestic offices $962,549
    Construction and development loans $65,170
    Residential 1-4 family construction $22,320
    Other construction, all land development and other land $42,850
    Loans secured by nonfarm nonresidential properties $439,663
    Nonfarm nonresidential secured by owner-occupied properties $254,177
    Commercial real estate & other non-farm, non-residential $185,486
    Multifamily residential real estate $60,193
    1-4 family residential loans $335,264
    Farmland loans $62,259
    Loans held in foreign offices $0
    Farm loans $68,337
    Commercial and industrial loans $505,869
    To non-U.S. addressees $0
    Loans to individuals $7,735
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,537
    Other loans to individuals $6,198
    All other loans & leases $3,761
    Loans to foreign governments and official institutions $0
    Other loans $178
    Loans to depository institutions and acceptances of other banks $500
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,091
    Non 1-4 family restructured loans & leases $810
    Total loans and leases (foreign) $0

    Carrollton Bank had $1,526,591,000 of loans outstanding in 2019. $962,549,000 of loans were in real estate loans. $65,170,000 of loans were in development loans. $60,193,000 of loans were in multifamily mortgage loans. $335,264,000 of loans were in 1-4 family mortgage loans. $68,337,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,537,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 814 $182,699 $224,446
    Nonfarm, nonresidential loans - <$100k 213 $11,166 $52,423
    Nonfarm, nonresidential loans - $100-250k 287 $39,191 $136,554
    Nonfarm, nonresidential loans - $250k-1MM 314 $132,342 $421,471
    Commercial & Industrial, US addressed loans - <$1MM 1,645 $202,922 $123,357
    Commercial & Industrial, US addressed loans - <$100k 765 $22,422 $29,310
    Commercial & Industrial, US addressed loans - $100-250k 422 $42,197 $99,993
    Commercial & Industrial, US addressed loans - $250k-1MM 458 $138,303 $301,972
    Farmland loans - <$1MM 371 $31,940 $86,092
    Farmland loans - <$100k 131 $5,315 $40,573
    Farmland loans - $100-250k 135 $11,159 $82,659
    Farmland loans - $250k-1MM 105 $15,466 $147,295
    Agriculture operations loans - <$1MM 378 $28,153 $74,479
    Agriculture operations loans - <$100k 262 $7,153 $27,302
    Agriculture operations loans - $100-250k 62 $7,394 $119,258
    Agriculture operations loans - $250k-1MM 54 $13,606 $251,963