Carson Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carson Community Bank of Stilwell, OK against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.25% | +0.17% | 58th above |
| ROAE | 16.68% | 12.22% | +4.46% | 74th above |
| Net Interest Margin | 5.24% | 3.95% | +1.29% | 95th top |
| Efficiency Ratio | 72.91% | 63.71% | +9.20% | 22nd bottom |
| PPNR / Avg Assets | 1.42% | — | — | 39th below |
| Yield on Earning Assets | 6.65% | 5.67% | +0.98% | 90th top |
| Cost of Funds | 1.55% | 1.87% | -0.32% | 66th above |
| Net Interest Spread | 4.48% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.43% | 0.88% | +0.55% | 19th bottom |
| NPA / Total Assets | 0.86% | — | — | 24th bottom |
| NCO / Avg Loans | -1.15% | 0.15% | -1.30% | 100th top |
| ACL / Total Loans | 1.85% | — | — | 91st top |
| ACL / NPLs (Coverage) | 129.27% | — | — | 35th below |
| Texas Ratio | 8.66% | 5.96% | +2.70% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.63% | 11.75% | +0.88% | 71st above |
| Equity / Assets | 8.83% | 10.98% | -2.15% | 24th bottom |
| TCE / Tangible Assets | 8.83% | — | — | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.88% | 80.44% | -11.56% | 73rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.67% | 86.95% | +0.72% | 42nd below |
| Wholesale Funding Ratio | 3.57% | — | — | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.40% | — | — | 27th below |
| Loan Growth (Y/Y) | -4.56% | — | — | 7th bottom |
| Deposit Growth (Y/Y) | -0.72% | — | — | 19th bottom |
See Carson Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carson Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carson Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Carson Community Bank peer analysis.