BlastPoint's Banking Scorecard
Carson Community Bank
Micro
Specialty: Agricultural
OK
FDIC cert 2320
Designations: ✓ Community bank
Stilwell, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Carson Community Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.75% 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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.9M
+1.8% YoY
+1.5% QoQ
|
-$52.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$103.6M
+1.3% YoY
+1.8% QoQ
|
-$35.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$140.5M
+2.2% YoY
-0.9% QoQ
|
-$43.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.81%
+14.3% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
5.60%
+9.2% YoY
+8.9% QoQ
|
+1.75% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
72.54%
-0.6% YoY
+1.8% QoQ
|
+4.81% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.88%
+475.8% YoY
-64.7% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
73.75%
-0.9% YoY
+2.8% QoQ
|
-0.77% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
30.84%
+6.9% YoY
+0.2% QoQ
|
+8.44% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.56%
+473.3% YoY
-64.6% QoQ
|
+0.10% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
-2.6% YoY
+29.2% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.60%
(Tier avg: 3.85%, National avg: 3.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.85%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.84% · Tier avg: 22.39%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.75% · Tier avg: 74.53%
44
44th pctile
Total Loans
Current: $103.6M · Tier avg: $139.2M
42
42th pctile
Total Deposits
Current: $140.5M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $164.9M · Tier avg: $217.5M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
34
34th pctile
Efficiency Ratio
Current: 72.54% · Tier avg: 67.73%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
Top Weaknesses
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
34
34th pctile
Efficiency Ratio
Current: 72.54% · Tier avg: 67.73%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
42
42th pctile
Total Assets
Current: $164.9M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $140.5M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $103.6M · Tier avg: $139.2M
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.75% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.84% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.85%