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Carson Bank

$100M-$1B Specialty: Commercial KS FDIC cert 17369

Mulvane, KS

4 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +7.7% year over year ($201.6M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.33%.
  • Efficiency ratio 65.86% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Carson Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 12.1% in tier
  • + Revenue Diversifier: Top 43.9% in tier
  • + Net Interest Margin 0.23% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.1% in tier
  • - Credit Risk Growth: Bottom 14.8% in tier
  • - Efficiency Ratio 1.39% above tier average
Get updates when Carson Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $219.9M
+5.0% YoY +3.0% QoQ
-$166.7M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $139.1M
+5.3% YoY +0.0% QoQ
-$119.2M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $201.6M
+7.7% YoY +5.2% QoQ
-$125.1M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.33%
+15.8% YoY +7.6% QoQ
+0.01% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.21%
+7.5% YoY -0.1% QoQ
+0.23% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 65.86%
-3.8% YoY -1.8% QoQ
+1.39% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.02%
-0.0% QoQ
-0.90% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 69.00%
-2.2% YoY -4.9% QoQ
-8.96% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 22.19%
-4.2% YoY -6.8% QoQ
+0.16% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.06%
-3.0% QoQ
-0.61% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 11.73%
+4.9% YoY +2.8% QoQ
-4.18% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.54%
-1.1% YoY +93.6% QoQ
-0.02% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Top 8.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 22.2%
-1.0pp YoY
-1.6pp QoQ
 0.0pp 22.1% 22.3% 22.2% 55%
Brokered Deposits 4.4%
0.0pp YoY
-0.2pp QoQ
 -3.5pp 7.9% 8.7% 8.5% 47%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.6%
-0.6pp YoY
+0.2pp QoQ
 -2.9pp 11.6% 12.6% 12.5% 44%
CRE 43.4%
-0.4pp YoY
-1.7pp QoQ
 +3.9pp 39.5% 28.8% 41.4% 59%
1-4 Family 45.6%
+0.7pp YoY
+1.2pp QoQ
 +13.0pp 32.6% 26.7% 31.3% 78%
Consumer 1.2%
-0.1pp YoY
+0.1pp QoQ
 -2.9pp 4.1% 4.6% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.7%
+0.6pp YoY
+0.3pp QoQ
 -7.1pp 18.8% 23.3% 19.7% 14%
Leverage Ratio 8.3%
+0.4pp YoY
+0.2pp QoQ
 -3.9pp 12.2% 12.6% 12.6% 4%
Total Capital Ratio 12.8%
+0.5pp YoY
+0.3pp QoQ
 -7.1pp 19.9% 24.4% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 41
-2 (-4.7%) YoY
+1 (+2.5%) QoQ
 -18 58 70 482 42%
Assets per Employee ($) $5.4M
+10.2% YoY
+0.5% QoQ
 -$2.2M $7.5M $7.1M $8.8M 20%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 6%
Allowance Coverage 55.34x
0.0% QoQ
 +31.19x 24.15x 22.44x 20.23x 94%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 16.7%
+0.9pp YoY
+1.2pp QoQ
 +4.5pp 12.2% 14.3% 11.6% 76%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 44%
Net Income ($, YTD) $1.4M
+23.6% YoY
— QoQ
 -$1.1M $2.6M $3.7M $40.4M 39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#81 of 659 • Top 12.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#291 of 661 • Top 43.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.54%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.33%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#53 of 1256 • Bottom 4.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#140 of 936 • Bottom 14.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

220
Non-Interest Income / Assets
revenue_mix
Value: 0.54%
Peer Median: 0.57%
#220 of 2643 Top 8.3% in $100M-$1B
423
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#423 of 2633 Top 16.0% in $100M-$1B
617
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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