🏦Bank Scorer

CARROLLTON FEDERAL BANK, FSB

CARROLLTON, KY · Supervised by OTS

Est. 1890FDIC #29,774
Outstanding Same

Current rating · Exam: August 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

2539 Highway 227, CARROLLTON, KY

County

Carroll County

Established

January 1, 1890

Total Assets

$43M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 18, 1997

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$43M

Total Deposits

$36M

Net Loans

$27M

Net Income

$69K

ROA

0.66%

ROE

4.52%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$35M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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