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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stilwell, OK · FDIC certificate #2320
CARSON COMMUNITY BANK is an FDIC-insured institution based in Stilwell, OK (FDIC certificate #2320). In its Q3 2026 Call Report it reported total assets of $162M, total deposits of $147M and net loans of $100M. Its primary federal regulator is FDIC.
Plain-language readout
CARSON COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $167M in Q1 2026 and were lowest at $162M in Q3 2026.
Total deposits were highest at $147M in Q3 2026 and lowest at $144M in Q1 2026.
Over the whole period total assets fell 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $162M | $147M | $100M | 1.68% | 22.02% | 5.80% |
| Q2 2026 | $167M | $145M | $98M | 1.43% | 17.07% | 5.84% |
| Q1 2026 | $167M | $144M | $100M | 1.44% | 17.75% | 6.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.0M | $3.7M | +$343K | +9.4% |
| Federal funds sold | $3.4M | $0K | +$3.4M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $57.3M | $57.3M | -$63K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $98.3M | $100.5M | -$2.2M | -2.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.4M | +$66K | +2.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.2M | $2.9M | -$1.7M | -57.7% |
| Total assets | $166.7M | $166.8M | -$133K | -0.1% |
| Liabilities | ||||
| Total deposits | $145.4M | $144.4M | +$961K | +0.7% |
| Federal funds purchased | $0K | $1.4M | -$1.4M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.9M | $7.0M | -$1.0M | -15.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $686K | $611K | +$75K | +12.3% |
| Total liabilities | $152.0M | $153.4M | -$1.4M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $3.5M | $3.5M | $0K | 0.0% |
| Retained earnings | $17.1M | $16.5M | +$586K | +3.6% |
| Accumulated other comprehensive income | -$6.2M | -$6.9M | +$679K | +9.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.7M | $13.4M | +$1.3M | +9.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $581K | +$854K | +147.0% |
| Adjusted nonperforming assets | $1.4M | $581K | +$854K | +147.0% |
| Tangible equity plus allowance | $16.6M | $15.0M | +$1.6M | +10.4% |
| Texas ratio (gross) | 8.66% | 3.87% | +4.79 pts | See points |
| Texas ratio (adjusted) | 8.66% | 3.87% | +4.79 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.66% | 3.87% | +4.79 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.63% | 12.02% | +0.61 pts | See points |
| Construction and land loans to total capital | 26.25% | 34.71% | -8.46 pts | See points |
| Commercial real estate to total capital | 58.95% | 72.73% | -13.78 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.65% | -33.87% | +4.22 pts | See points |
| Liquidity | ||||
| Core deposits | $127.4M | $125.3M | +$2.1M | +1.7% |
| Non-core funding | $23.9M | $27.5M | -$3.6M | -13.1% |
| Loans to core deposits | 78.57% | 81.42% | -2.85 pts | See points |
| Loans to deposits | 68.88% | 70.65% | -1.77 pts | See points |
| Brokered deposits share of deposits | 1.03% | 1.74% | -0.71 pts | See points |
| Pledged securities share of securities | 57.37% | 54.52% | +2.85 pts | See points |
| Loans pledged, share of loans | 22.34% | 22.01% | +0.33 pts | See points |
| Volatile liabilities | $23.9M | $27.5M | -$3.6M | -13.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $927K | +$587K | +63.3% |
| Earnings before provision, single quarter | $587K | $927K | -$340K | -36.7% |
| Provision for credit losses, year to date | $330K | $330K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 8.31% | 9.79% | -1.48 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.54% | 7.34% | -0.79 pts | See points |
| Cost of interest-bearing transaction accounts | 1.45% | 1.41% | +0.04 pts | See points |
| Cost of savings and money market deposits | 0.93% | 1.37% | -0.44 pts | See points |
| Cost of time deposits | 3.45% | 3.55% | -0.10 pts | See points |
| Total interest expense to average assets | 1.42% | 1.48% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $162M | $147M | $100M | 1.68% | 22.02% | 5.80% |
| 2026-06-30 | $167M | $145M | $98M | 1.43% | 17.07% | 5.84% |
| 2026-03-31 | $167M | $144M | $100M | 1.44% | 17.75% | 6.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $146.4M | 0.10% | 121 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.