BlastPoint's Banking Scorecard
Carson Community Bank
Designations: ✓ Minority Depository Institution
Stilwell, OK
4 branches across OK
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 106 in OK.
- Deposits -0.7% year over year ($145.4M on the books).
- Delinquency rate 1.46%.
- Return on assets 1.43%.
- Efficiency ratio 70.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Carson Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 43.9% in tier
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 5.96% above tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.7M
+1.4% YoY
-0.1% QoQ
|
-$219.9M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$98.3M
-4.7% YoY
-2.2% QoQ
|
-$160.1M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$145.4M
-0.7% YoY
+0.7% QoQ
|
-$181.4M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.43%
-2.5% YoY
-1.0% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
5.84%
+11.9% YoY
-7.6% QoQ
|
+1.85% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 1.9% in tier |
| Efficiency Ratio ? |
70.44%
-4.5% YoY
+6.4% QoQ
|
+5.96% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
1.46%
+118.9% YoY
+152.5% QoQ
|
+0.54% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
67.61%
-4.0% YoY
-2.8% QoQ
|
-10.34% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
30.62%
+4.5% YoY
+4.6% QoQ
|
+8.59% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.86%
+105.7% YoY
+147.2% QoQ
|
+0.19% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
12.63%
+12.3% YoY
+5.1% QoQ
|
-3.27% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.31%
-0.4% YoY
+96.4% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.6%
+1.3pp YoY +1.4pp QoQ |
+8.5pp | 22.1% | 23.9% | 22.2% | 84% |
| Brokered Deposits |
1.0%
-1.4pp YoY -0.7pp QoQ |
-6.8pp | 7.9% | 9.7% | 8.5% | 19% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.5%
-0.5pp YoY +0.1pp QoQ |
+13.9pp | 11.6% | 15.7% | 12.5% | 94% |
| CRE |
20.2%
-0.4pp YoY -2.1pp QoQ |
-19.4pp | 39.5% | 42.0% | 41.4% | 18% |
| 1-4 Family |
12.7%
+1.2pp YoY -0.3pp QoQ |
-20.0pp | 32.6% | 24.0% | 31.3% | 15% |
| Consumer |
7.1%
+0.7pp YoY +0.4pp QoQ |
+3.0pp | 4.1% | 5.6% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
12.6%
+1.4pp YoY +0.6pp QoQ |
+0.5pp | 12.2% | 11.7% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
51
-9 (-15.0%) YoY -5 (-8.9%) QoQ |
-8 | 58 | 150 | 482 | 54% |
| Assets per Employee ($) |
$3.3M
+19.3% YoY +9.7% QoQ |
-$4.2M | $7.5M | $6.5M | $8.8M | 2% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.5%
+0.8pp YoY +0.9pp QoQ |
+0.5pp | 0.9% | 1.5% | 1.0% | 81% |
| Allowance Coverage |
1.29x
-49.8% YoY -51.9% QoQ |
-22.86x | 24.15x | 61.99x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -1.3pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.1%
-6.2pp YoY -0.7pp QoQ |
+4.9pp | 12.2% | 11.9% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.5%
-0.6pp YoY -0.1pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 38% |
| Net Income ($, YTD) |
$1.2M
-1.3% YoY — QoQ |
-$1.4M | $2.6M | $8.7M | $40.4M | 32% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.