Carrollton Bank (MD)

344 N. Charles Street
Baltimore, MD 21201
(800) 222-6566
www.carrolltonbank.com

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Carrollton Bank (MD) is headquartered in Baltimore and is the 26^th largest bank in the state of Maryland. It is also the 1,801^st largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 141 employees at 13 locations. Carrollton Bank (MD) has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Carrollton Bank (MD) Checking Account Rates

Apy	Min	Max	Product
0.20%	$3,500	-	MAHT Checking
0.15%	$10k	-	Silver Plus Checking
0.15%	$10k	-	Super Checking

Carrollton Bank (MD) Savings Account Rates

Apy	Min	Max	Product
0.15%	$200	-	Classic Savings
0.15%	-	-	Business Savings

Carrollton Bank (MD) Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	-	Business Money Market
0.30%	$50k	-	Classic Money Market

Carrollton Bank (MD) CD Rates

Apy	Min	Max	Product
1.00%	$5k	-	60 Month Premier Income CDs
1.00%	$500	-	60 Month Premier Growth CDs
0.70%	$5k	-	48 Month Premier Income CDs
0.70%	$500	-	48 Month Premier Growth CDs
0.50%	$5k	-	36 Month Premier Income CDs
0.50%	$500	-	36 Month Premier Growth CDs
0.40%	$5k	-	30 Month Premier Income CDs
0.40%	$500	-	30 Month Premier Growth CDs
0.35%	-	-	24 Month Premier Income CDs
0.35%	$500	-	24 Month Premier Growth CDs
0.35%	$5k	-	25 Month Special Income CD
0.35%	$500	-	25 Month Special Growth CDs
0.20%	$5k	-	18 Month Premier Income CDs
0.20%	$500	-	18 Month Premier Growth CDs
0.20%	$5k	-	19 Month Special Income CD
0.20%	$500	-	19 Month Special Growth CDs
0.15%	$5k	-	12 Month Premier Income CDs
0.15%	$500	-	12 Month Premier Growth CDs
0.15%	$5k	-	13 Month Special Income CD
0.15%	$500	-	13 Month Special Growth CDs
0.10%	$5k	-	6 Month Premier Income CDs
0.10%	$500	-	6 Month Premier Growth CDs
0.10%	$5k	-	7 Month Special Income CD
0.10%	$500	-	7 Month Special Growth CDs
0.09%	$500	-	12 Month Premier Treasury CDs
0.05%	$5k	-	28 Day Premier Income CDs
0.05%	$5k	-	3 Months Premier Income CDs
0.05%	$500	-	28 Day Premier Growth CDs
0.05%	$500	-	3 Months Premier Growth CDs
0.05%	$5k	-	4 Month Special Income CD
0.05%	$500	-	4 Month Special Growth CDs

Carrollton Bank (MD) IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	48 Month IRA Premier Growth CDs
1.00%	$500	-	48 Month Roth IRA Premier Growth CDs
0.70%	$500	-	36 Month IRA Premier Growth CDs
0.70%	$500	-	36 Month Roth IRA Premier Growth CDs
0.50%	$500	-	30 Month IRA Premier Growth CDs
0.50%	$500	-	30 Month Roth IRA Premier Growth CDs
0.40%	$500	-	24 Month IRA Premier Growth CDs
0.40%	$500	-	24 Month Roth IRA Premier Growth CDs
0.35%	$500	-	18 Month IRA Premier Growth CDs
0.35%	$500	-	18 Month Roth IRA Premier Growth CDs
0.20%	$100	-	12 Month IRA Premier Treasury CDs
0.20%	$100	-	12 Month Roth IRA Premier Treasury CDs
0.15%	$500	-	12 Month IRA Premier Growth CDs
0.15%	$500	-	12 Month Roth IRA Premier Growth CDs
0.09%	$500	-	60 Month IRA Premier Growth CDs
0.09%	$500	-	60 Month Roth IRA Premier Growth CDs

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Carrollton Bank
FDIC Certificate #	12433
BankRate Report	View
Year Established	1904
Employees	141
Primary Regulator	FDIC
Assets and Liabilities
Assets	$365.18 million
Loans	$292.78 million
Deposits	$316.20 million
Equity Capital	$32.02 million
Loan Loss Allowance	$4.69 million
Unbacked Noncurrent Loans	$3.96 million
Real Estate Owned	$4.82 million
Historic Data - December 2010
Assets	$386.15 million
Equity Capital	$31.48 million
Loan Loss Allowance	$4.29 million
Unbacked Noncurrent Loans	$5.02 million
Real Estate Owned	$4.51 million
Profit Margin - Quarterly
Net Interest Margin	4.15%
Return on Assets	0.22%
Return on Equity	2.55%
Interest Income	$17.91 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Carrollton Bank (MD) had $8.78 million in non-current loans and owned real-estate with $36.71 million in equity and loan loss allowances on hand to cover it. This gives Carrollton Bank (MD) a Texas Ratio of 23.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Carrollton Bank (MD) held steady from 26.65% as of December 31, 2010 to 23.92% as of December 31, 2011, resulting in a positive change of 10.22%.This indicates that the balance sheet and financial strength for Carrollton Bank (MD) has held steady in recent periods.
Deposit Growth
In the past year, Carrollton Bank (MD) has increased its total deposits by $13.16 million, resulting in 4.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Carrollton Bank (MD) has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Carrollton Bank (MD) has $365.18 million in assets with $36.71 million in equity, resulting in a capitalization level of 10.05%, which is above average.

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