BlastPoint's Banking Scorecard
Carson Bank
Micro
Specialty: Commercial
KS
FDIC cert 17369
Designations: ✓ Community bank
Mulvane, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Carson Bank shows strong momentum with 2 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest Income / Assets 0.48% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.9M
+8.4% YoY
-0.2% QoQ
|
-$12.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$136.6M
+7.6% YoY
+0.8% QoQ
|
-$2.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$183.4M
+5.3% YoY
+1.6% QoQ
|
-$217K |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.17%
+10.6% YoY
+2.7% QoQ
|
+0.08% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.06%
+11.1% YoY
+1.2% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
66.60%
-4.8% YoY
-1.5% QoQ
|
-1.13% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.46%
+2.2% YoY
-0.8% QoQ
|
-0.06% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
24.52%
+4.5% YoY
-2.0% QoQ
|
+2.13% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.05%
-59.0% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.52%
+2.3% YoY
+2.6% QoQ
|
+2.67% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.04%
-14.4% YoY
+27.7% QoQ
|
+0.48% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.04%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 22.39%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $136.6M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $183.4M · Tier avg: $183.7M
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.46% · Tier avg: 74.53%
53
53th pctile
Total Assets
Current: $204.9M · Tier avg: $217.5M
49
49th pctile
Efficiency Ratio
Current: 66.60% · Tier avg: 67.73%
Top Weaknesses
49
49th pctile
Efficiency Ratio
Current: 66.60% · Tier avg: 67.73%
53
53th pctile
Total Assets
Current: $204.9M · Tier avg: $217.5M
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.46% · Tier avg: 74.53%
55
55th pctile
Total Deposits
Current: $183.4M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $136.6M · Tier avg: $139.2M
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.52% · Tier avg: 22.39%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%