Carson Bank: how it compares with its peers
Against 79 KS banks with half to twice its assets, Carson Bank's strongest measure in Q2 2026 is net interest margin (4.21% vs. a 3.91% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.9M).
| Measure | Carson Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.33% | 1.45% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.91% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.86% | 59.28% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.9M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.00% | 77.38% | Context |
What it means for lending operations
Its efficiency ratio of 65.86% is above the 59.28% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Farmers and Drovers Bank Council Grove, KS · $222M
- The First Security Bank Overbrook, KS · $226M
- TriCentury Bank De Soto, KS · $214M
- The Stockgrowers State Bank of Ashland, Kansas Ashland, KS · $227M
- The Lyon County State Bank Emporia, KS · $212M
- Kendall Bank Overland Park, KS · $211M
Questions about Carson Bank
How big is Carson Bank?
Carson Bank, established in 1886, is headquartered in Mulvane, KS. It reported $220M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Carson Bank's return on assets?
1.33% annualized in Q2 2026, against a 1.45% median for 79 KS banks with half to twice its assets, ahead of 39% of them.
What is Carson Bank's efficiency ratio?
65.86% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 59.28%, and lower is better.
Is Carson Bank growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.