Carson Community Bank: how it compares with its peers
Against 63 OK banks with half to twice its assets, Carson Community Bank's strongest measure in Q2 2026 is net interest margin (5.84% vs. a 4.26% peer median). Its weakest relative measure is assets per employee ($3.3M vs. $6.2M).
| Measure | Carson Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.53% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.84% | 4.26% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.44% | 59.27% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.3M | $6.2M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.61% | 74.79% | Context |
What it means for lending operations
Its efficiency ratio of 70.44% is above the 59.27% 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
- Security Bank and Trust Company Miami, OK · $167M
- The Peoples National Bank of Checotah Checotah, OK · $172M
- The First State Bank Boise City, OK · $160M
- The Exchange Bank Skiatook, OK · $158M
- All Capital Bank Locust Grove, OK · $176M
- Bank of Hydro Hydro, OK · $181M
Questions about Carson Community Bank
How big is Carson Community Bank?
Carson Community Bank, established in 1903, is headquartered in Stilwell, OK. It reported $167M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Carson Community Bank's return on assets?
1.43% annualized in Q2 2026, against a 1.53% median for 63 OK banks with half to twice its assets, ahead of 46% of them.
What is Carson Community Bank's efficiency ratio?
70.44% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 59.27%, and lower is better.
Is Carson Community Bank growing its loans?
Net loans shrank 4.7% over the year to Q2 2026, while deposits shrank 0.7%.
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 OK 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 Oklahoma bank ranked.