CARROLL FINANCIAL SERVICES INC is the bank holding company. CARROLL BANK AND TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

CARROLL FINANCIAL SERVICES INC

Legal name: CARROLL FINANCIAL SERVICES, INC.

1 active bank · 1 merged/absorbed · $658M combined assets

RSSD ID: 1848825 (FFIEC NIC)

Combined Assets

$658M

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCARROLL BANK AND TRUSTHUNTINGDON, TNSatisfactory$658MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$658M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$603M

Net Income

$1M

ROA (avg)

0.76%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

426

Origination Rate

93.66%

Denial Rate

1.64%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CARROLL BANK AND TRUST	HUNTINGDON, TN	FDIC	$658M	100.0%	Satisfactory	Nov 2019

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.