Carson Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.59 percentage points in Q2 2026, from 73.38% to 69.79%. It was the largest change from Q1 2026 among the key lines here. Carson Bank ranks 97th of 182 Kansas banks on return on assets, in the lower half at 1.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Carson Bank sits 0.18 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.73% |
| Tier 1 risk-based capital ratio | 11.73% |
| Total risk-based capital ratio | 12.79% |
| Tier 1 leverage ratio | 8.28% |
| Equity capital to assets | 7.91% |
| Tangible equity to tangible assets | 7.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.74% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 5534.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 17.98% |
| Net interest margin | 4.21% |
| Efficiency ratio | 64.64% |
| Yield on earning assets | 5.81% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.79% |
| Core deposits to total deposits | 75.29% |
| Brokered deposits to total deposits | 4.38% |
| Deposits to assets | 91.70% |
| Securities to assets | 17.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.64% | 10.64% | 11.88% | 7.59% | 0.53% |
| Q4 2023 | 10.34% | 10.34% | 11.56% | 7.28% | -0.28% |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 7.54% | 1.33% |
| Q2 2024 | 10.59% | 10.59% | 11.78% | 7.68% | 0.92% |
| Q3 2024 | 11.20% | 11.20% | 12.44% | 7.79% | 0.85% |
| Q4 2024 | 11.27% | 11.27% | 12.48% | 7.77% | 1.13% |
| Q1 2025 | 11.28% | 11.28% | 12.47% | 7.68% | 1.06% |
| Q2 2025 | 11.18% | 11.18% | 12.32% | 7.83% | 1.22% |
| Q3 2025 | 11.23% | 11.23% | 12.35% | 7.85% | 1.10% |
| Q4 2025 | 11.52% | 11.52% | 12.63% | 8.05% | 1.24% |
| Q1 2026 | 11.41% | 11.41% | 12.48% | 8.09% | 1.22% |
| Q2 2026 | 11.73% | 11.73% | 12.79% | 8.28% | 1.43% |
Carson Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carson Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Carson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17369) · FFIEC NIC profile (RSSD 171656)