# CARSON BANK
MULVANE, KS · FDIC certificate 17369 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $219.9M | |
| Deposits | $201.6M | |
| Loans and leases | $140.7M | |
| Total equity | $17.4M | |
| Loans / deposits | 69.00% (p43 of band) | 73.59% |
| Liquid assets / assets | 31.94% (p49 of band) | |
| Uninsured deposits / deposits | 33.40% (p87 of band) | 19.81% |
| Brokered deposits | 4.01% | |
| Wholesale funding | 4.01% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.28% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -4.72% (p58 of band) | -6.57% |
| AOCI / equity | -1.68% (p15 of band) | |
| ROA (annualized) | 1.33% (p60 of band) | 1.17% |
| Net interest margin | 4.21% (p64 of band) | 3.93% |
| Efficiency ratio | 65.86% (p50 of band) | |
| Noncurrent loans | 0.02% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 5534.48% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 74.43% (p89 of band) | |
| Auto loans | $1.4M (1.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 0 |  | reserve under noncurrent, expense ratio p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, charge-offs p90 |  |
| 2019-03 | 0 |  | capital falling, charge-offs p90 |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | construction >100% equity | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | capital falling, securities losses >30% of equity | deposits shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-08-02 [Major milestones hit at Carson Bank - DerbyInformer.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQaDF6bDZ1bjVMelpNbEhTT1hJTmlpZVNQN00tOHFnM1pTR29sR0xHSkZyazE3bmMzeHBzQzI1VFY4VFJKZUhfck1FTENxT3BBeGFJMXNyQmU0Z3NJU2xVN2xYWHpzV2swZXQ3SWRrSVUtN1F1Y3JUWjE0Z2Jkc0d5dzIwQ00yUnkxaGlLNDdPanRDRzNUQXF5X1ZHOGswWFp1b3FOR1l4YkdsbzhvOWEyS3hXY0VoUnAwekxsZjZBR2tVcmhHZ2Y4c1h3?oc=5) · DerbyInformer.com
- 2020-01-24 [Scott A Nelson, Carson Bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQbzkzQ2xJVVRDYUFNUXllSzVXSGg2dUFVR1g4MkNJeHJNdGZOM0JQaUEzTG9KTmtRUWExUlBXTTkxaEd5NjE1ZzE1Zno4WUtLMGxqNTA1MWJITXhsa01xZnl1UWk3bjhWbEJ0aDBaLU00eURSVUdDV2hFdm5yU0dSVDBHc2xoTFUxRWJVblp1LS1QRjNxMGxkYXk0M2loOHFOVFZ2Yg?oc=5) · The Business Journals
- 2022-12-21 [In addition to cash, Kansas bank robber nabbed candy from VP’s desk, affidavit says - Wichita Eagle](https://news.google.com/rss/articles/CBMibkFVX3lxTE9BU1dXNU5PMU9TMlVtRmRqdW1zZndFTWF2akF1eGFHOE5fSnBmTkFSZXptRHoyN2g0OUlhcVRqVlN1TzZJQ29YOEVVQnhfNzdGOEZxVG1lVGVEV2IxYjVLZzR5RUZaYU4zZ0U0Ml9R0gFuQVVfeXFMT0lkUkdaVER1WWNOYlBoV2UtUHplX0hkUXE5dV9Jb1VxOXNHSW1KVk9uS1RsQjZocm9BX1REYVRVSnd3WURUUHI4T1B2Y09JdzI5eVpNRUhMS09hSjJTVlNvamM4SmxXMDZ1NkNaZHc?oc=5) · Wichita Eagle
- 2016-04-06 [Carson Bank leadership passed on to fourth generation - DerbyInformer.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNTjZJbVBKSl9KTVg5SlBXSWFuc04yVXpHbjVkVkpGZW9DZG9KQW55WlRVNlA5QVZoelJ2M2oyOUpIM0VYZ01va1dtcUdtRkZlNk9aeFNtTGFFeVVlQy1lZ1Z5NnZJSnNPdExGN2hsRk1OdW1NcGppbnl0MjE0QldhN2hPV0JtdURQVGVBU2llSG0weHpWSEdqMXpDLXF2V0hQVDZxN3BHdk1ZVU5OLVF3X3NkaXhnb2h0Zll4WHMwRXhhdW9OXzRNZndWWWEtUDhUeXZZb3EtN3p5SFJaaXEyMw?oc=5) · DerbyInformer.com
- 2023-05-30 [Margaret Jane (Carson) Houston Obituary May 30, 2023 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1Wd01qZWFRZ1kzWGpOOWJFYURQSGxjQ2EtMGwyNERUYjV0cGQwZDdONDIyaWU1d2NyLWIzWUdYMHZWc2tRUlYxXzVIaDJ3Y0hqaFJkRTc4NWdIS0RuM1U4?oc=5) · Cozine Memorial Group
- 2023-06-04 [Margaret Houston Obituary (1950 - 2023) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxONU9PaXhSZTdUYTVUOUVNcnNVOWl3UDB0SVpXeFkyQllNWXFUZElsSGNabGxRR0lobkNFa2FhYllwaVJpY0N0RXpDMjZ6aEhabjVtbktXenhLVnlFazc3Sk5vZjROQThUSHhrdzduUFhtRlI5SWdKRDhCdlRWelRNcUQ0dWlkWEpBc19zbzU0bw?oc=5) · legacy.com
- 2018-01-18 [10 Minutes With... Mark Koch, Wichita Manufacturing Association - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNck0tWmw2RkVnN1ZoS3J6ejcyVEJQNnJuc1NxM3lySzZBLUwxaFhvdVZJVFFNOHU5d1ZfYUN6YktRQmdReHF1YUoyMk9zRUYtNWxuN09EczhlclNxRHhPQW9xNVNVakxzZ0J0WkJJME53ZWRJclZOdWRlVTR3U043cHk1UldFcEtFSC1XZFVVd0FPeEJKcnI5ejFZVkVSU0tzY2dyaTlkUQ?oc=5) · The Business Journals
- 2024-08-07 [Linda Parker Obituary (1951 - 2024) - Mulvane, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNaXdSbV9ycndiSXA4QUQ4WW0wTlBPTGQ2QWhreG5WTU5fbG41MEk1UW5HYUVtOEhXNW5RemEyRmNwZUZkVko2bElkWUt0RXhqeWt4WklsQVpxT1lRcGdMSkcxbmVJa0xKYWRGeTkzbmQ3ZlZpU1dVTWFPYmE4b1V1cHpnRFVFWEt2S0E?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17369 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "17369", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide