Carson Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Carson Community Bank is an FDIC-insured commercial bank headquartered in Stilwell, OK, established in 1903 (FDIC certificate 2320), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $166.7M, up 1.4% from Q2 2025, the 110th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2320
- Headquarters
- Stilwell, OK
- Established
- 1903
- Total assets, Q2 2026
- $166.7M
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 12.63%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103112507
- Holding company
- CARSON FINANCIAL HOLDING COMPANY, INC.
- Asset rank in state
- 110th of 169 in Oklahoma
Problem loans are rising at Carson Community Bank. It reported $167 million in assets at June 30, 2026, up 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.43% of loans from 0.66% a year earlier. It keeps 5.24 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also shrank its loan book 4.6% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings fell sharply: quarterly net income of $587,000 was 32% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.2 million equal 30% of Tier 1 capital, down from 44% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Carson Community Bank reported a return on assets of 1.42%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 8.66%. The figures come from its call report filed with the FFIEC.
Carson Community Bank ranks as the 110th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $166.7M, loans fell 1.9% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 25.0% of total loans, ahead of farmland and other real estate loans at 13.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OK; its Stilwell office books 61% of its branch deposits. Judged on its Q2 2026 call report, Carson Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 24 W Division St, Stilwell, OK 74960
- County
- Adair
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 3, 1903
- Former names
- Bank of Commerce (2019-2020)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $145.4M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $90K
- Average total assets
- $165.7M
- Average total loans
- $102.1M
- Average interest-bearing deposits
- $101.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2320
- Fed RSSD
- 539452
- Website
- www.carsoncommunity.bank →
- Parent Holding Company
- CARSON FINANCIAL HOLDING COMPANY, INC. (RSSD 2606321)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Carson Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Carson Community Bank's total assets ran between $161.1M (Q3 2023) and $173.8M (Q2 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$166.7M total assets against $164.4M; $152.0M total liabilities against $154.0M.
$98.3M net loans and leases against $103.1M; $145.4M total deposits against $146.4M.
$57.3M securities against $51.4M; $7.4M cash and balances due against $5.2M.
$2.7M total interest income against $2.7M; $589K total interest expense against $706K.
$2.1M net interest income against $2.0M.
$255K total noninterest income against $267K; $1.8M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$587K net income against $867K.
1.42% return on assets against 2.10%; 5.24% net interest margin against 4.90%.
12.63% tier 1 leverage ratio against 11.25%.
Inside the full Carson Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCarson Community Bank rankings
Its closest position to the top of a national ranking is 754 of 3,640, for Texas Ratio; its furthest is 2,939 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.17% (Q4 2024) to 2.49% (Q4 2025) and its net interest margin ran from 3.97% (Q4 2024) to 6.80% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.63% | 1.42% | 1.43% | 8.66% | 5.24% |
| Q1 2026 | 12.02% | 1.41% | 0.57% | 3.87% | 6.09% |
| Q4 2025 | 12.01% | 2.49% | 0.87% | 6.07% | 6.80% |
| Q3 2025 | 11.84% | 1.82% | 2.46% | 17.62% | 4.90% |
| Q2 2025 | 11.25% | 2.10% | 0.66% | 5.65% | 4.90% |
| Q1 2025 | 10.84% | 0.81% | 1.24% | 10.50% | 5.26% |
| Q4 2024 | 11.27% | -3.17% | 0.15% | 1.32% | 3.97% |
| Q3 2024 | 12.06% | 1.57% | 0.28% | 2.13% | 4.99% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carson Community Bank (main office) | Stilwell , OK | 74960 | $88.7M |
| Westville Branch | Westville , OK | 74965 | $31.5M |
| West Siloam Springs Branch | Colcord , OK | 74338 | $13.5M |
| Keys Branch | Park Hill , OK | 74451 | $11.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2019 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 124 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Carson Community Bank
What are Carson Community Bank's total assets?
As of the Q2 2026 filing, Carson Community Bank reported total assets of $166.7 million in its FFIEC call report.
Where is Carson Community Bank headquartered?
It is headquartered in Stilwell, OK, United States.
When was Carson Community Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Carson Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carson Community Bank?
Carson Community Bank's primary federal regulator is the FDIC.
How many branches does Carson Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carson Community Bank's Texas Ratio?
Its Texas Ratio is 8.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Carson Community Bank previously called?
The charter now named Carson Community Bank has also operated as Bank of Commerce (2019-2020), per FDIC structure-change records.
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