# CARSON COMMUNITY BANK
STILWELL, OK · FDIC certificate 2320 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $166.7M | |
| Deposits | $145.4M | |
| Loans and leases | $100.1M | |
| Total equity | $14.7M | |
| Loans / deposits | 67.61% (p41 of band) | 73.59% |
| Liquid assets / assets | 38.80% (p61 of band) | |
| Uninsured deposits / deposits | 26.98% (p74 of band) | 19.81% |
| Brokered deposits | 0.90% | |
| Wholesale funding | 4.46% (p71 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 12.63% (p60 of band) | 11.76% |
| Unrealized securities loss / equity | -42.20% (p8 of band) | -6.57% |
| AOCI / equity | 0.43% (p94 of band) | |
| ROA (annualized) | 1.43% (p64 of band) | 1.17% |
| Net interest margin | 5.84% (p98 of band) | 3.93% |
| Efficiency ratio | 70.44% (p61 of band) | |
| Noncurrent loans | 1.43% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p87 of band) | |
| Reserve coverage of noncurrent | 129.27% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 40.66% (p73 of band) | |
| Auto loans | $2.6M (2.61% of loans; DQ 6.66%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 | reserve under noncurrent | assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 3 | reserve under noncurrent, assets shrinking |  |
| 2015-12 | 2 |  | deposits shrinking |
| 2016-03 | 1 |  | assets shrinking |
| 2016-06 | 2 | deposits shrinking |  |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | noncurrent p90, deposits shrinking |  |
| 2017-06 | 2 |  | noncurrent p90 |
| 2017-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 4 | charge-offs p90 | assets shrinking |
| 2018-03 | 4 | capital falling | charge-offs p90 |
| 2018-06 | 1 |  | reserve under noncurrent, deposits shrinking, capital falling |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | reserve under noncurrent | capital falling |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | wholesale funding >15%, capital falling | charge-offs p90 |
| 2020-09 | 2 | charge-offs p90 | wholesale funding >15% |
| 2020-12 | 4 | wholesale funding >15%, reserve under noncurrent |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2021-12 | 0 |  | wholesale funding >15% |
| 2022-03 | 4 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2022-06 | 5 | assets shrinking |  |
| 2022-09 | 4 |  | reserve under noncurrent |
| 2022-12 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity, assets shrinking, noncurrent p90 |
| 2023-06 | 2 | deposits shrinking | wholesale funding >15%, reserve under noncurrent |
| 2023-09 | 3 | AOCI drag >20% of equity, construction >100% equity | deposits shrinking |
| 2023-12 | 2 | wholesale funding >15% | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 4 | losing money, charge-offs p90 |  |
| 2024-06 | 3 |  | losing money |
| 2024-09 | 4 | deposits shrinking |  |
| 2024-12 | 4 | capital falling, losing money | wholesale funding >15%, deposits shrinking |
| 2025-03 | 2 |  | charge-offs p90, losing money |
| 2025-06 | 2 | assets shrinking | capital falling |
| 2025-09 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2025-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 1 |  | charge-offs p90 |

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

- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker
- 2022-03-20 [Ballew retires from Carson Bank in Keys - Tahlequah Daily Press](https://news.google.com/rss/articles/CBMiygFBVV95cUxOS1ZmYVR5YjBJSlNBVWtkX2pka3E3NVZkWnRodS1scUdXd3BUSmh4a2RtVFdWMjlFcVdYVU85UFhFalZnZDFEcV9IVXlUV3JENlJLNGtRX2RtU3FEX1pTNkhzUWRZSDBHRGYxVFNBaEtCaVlpNWhMT0swSnBOQTYxRllFd19UQ1RFakxtQ1VEcmRMT0pKTUNyUzVDZjBrVnVRcUIzNllWdURaVGZtbnk3eW82VHl3X0FycE1SNlRjbmlvUHVVM1ppckpR?oc=5) · Tahlequah Daily Press
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2021-07-21 [Cherokee Nation Tribal Council candidates vie for seats in runoff - NonDoc Media](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbXg4blVKVG9GX0JOdGVfYUxWYk5qRjhtMTExQ1BMbV91UDM1TFdtNDBxcGJic1VUNURhdC04VS12bllPTVJuVC1kdmN5REFiaDVIV2t2SnVUUTZaNUlodEp4clpSQ0dvYkhDcUZFZ3RHbUVrRDAzT2g3eF9xeTdKbWRoZWMwQTQ?oc=5) · NonDoc Media
- 2025-11-19 [Community Banks with the Highest Returns on Average Equity (Jun. 30, 2025) - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYl8wUE5wZnBNNHRyc05LOThZaHBvb1VZbFUxc0NrN3J1SlQtUzV5ajNDd3J6dXVWSFhDWkdzbDlMaXllUHdBWmdNXy1LWEFNekUteVFOU24yd2FrcFBWWl8zWFBiWWg2alJyM0FxNjFfV1pIVTExMDgzakdtOW5oRFdLLVlobk14Vk9PWHRRMHV5RGJSVnk5Wk4tTkt4V3FzeEFZZklmTzFVdw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2320 (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/16.json (key "2320", 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