TellerScore

Carson Bank is a state-chartered bank headquartered in Mulvane, Kansas, in business for about 140 years. At the end of Q2 2026 it reported $219.9M in total assets and $201.6M in deposits, with 4 offices.

Based on its Q2 2026 filing, Carson Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 128th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is capital cushion (33/100; 8.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.28%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 69.0% · 33.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (67 → 70), mostly because the earnings component improved by 7 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202465
Q1 202567
Q2 202567
Q3 202565
Q4 202568
Q1 202668
Q2 202670
Tier 1 leverage ratio
5.00%6.64%8.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.68%
Q3 20247.79%
Q4 20247.77%
Q1 20257.68%
Q2 20257.83%
Q3 20257.85%
Q4 20258.05%
Q1 20268.09%
Q2 20268.28%
Noncurrent loans
0.00%0.10%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.20%
Q4 20250.00%
Q1 20260.02%
Q2 20260.02%
Return on assets
1.03%1.18%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.03%
Q4 20241.06%
Q1 20251.09%
Q2 20251.15%
Q3 20251.14%
Q4 20251.17%
Q1 20261.24%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$219.9M8.28%0.02%1.33%69.0%
Q1 202668$213.4M8.09%0.02%1.24%72.5%
Q4 202568$204.9M8.05%0.00%1.17%74.5%
Q3 202565$205.3M7.85%0.20%1.14%75.1%
Q2 202567$209.3M7.83%0.00%1.15%70.5%
Q1 202567$199.9M7.68%0.00%1.09%67.0%
Q4 202465$189.0M7.77%0.00%1.06%72.8%
Q3 202465$189.6M7.79%0.00%1.03%75.9%
Q2 202466$190.9M7.68%0.00%1.12%74.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.28%
4th
Total risk-based capital12.79%
56th
Problem loans0.02%
84th
Net charge-offs0.00%
68th
Return on assets1.33%
55th
Net interest margin4.21%
66th
Efficiency ratio65.9%
40th
Loans to deposits69.0%
71st
Uninsured deposits33.4%
20th
Loan-loss reserves1.14%
43rd
Texas ratio0.7%
73rd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Drovers BankBank Council Grove, KS87 out of 100, Very strong$221.9M25.4%0.37%vs
The First Security BankBank Overbrook, KS56 out of 100, Moderate$225.6M8.0%2.00%vs
TriCentury BankBank De Soto, KS77 out of 100, Strong$213.8M10.8%0.00%vs
The Stockgrowers State Bank of Ashland, KansasBank Ashland, KS89 out of 100, Very strong$227.1M14.1%0.00%vs
The Lyon County State BankBank Emporia, KS77 out of 100, Strong$212.5M9.6%0.20%vs
Kendall BankBank Overland Park, KS39 out of 100, Low$211.1M9.6%3.54%vs

Deposit insurance

Is my money safe at Carson Bank?

Yes. Carson Bank is an FDIC-insured institution (FDIC certificate #17369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.4% of deposits ($67.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.28%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.79% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Carson Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Carson Bank reported 42 home-loan applications under HMDA (LEI 254900ZVK94NEC553D12): 34 originated ($9,770,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Carson Bank
Former names
The Mulvane State Bank
Type
State-chartered bank
FDIC certificate #
17369
RSSD ID
171656
Primary regulator
FDIC
Holding company
Mulvane Bankshares Inc
Established
July 1, 1886
Headquarters
122 W Main St, Mulvane, KS 67110
Employees
41

Quick answers

Carson Bank: common questions

Is Carson Bank FDIC insured?

Yes. Carson Bank is an FDIC-insured institution (FDIC certificate #17369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Carson Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Carson Bank ever failed?

There is no failure record for FDIC certificate #17369 in the FDIC failed bank list.

How many branches does Carson Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mulvane

InstitutionScoreAssetsCapitalProblem loansCompare
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Impact BankBank Wellington, KS80 out of 100, Strong$167.2M10.6%0.03%vs
The Security State BankBank Wellington, KS79 out of 100, Strong$55.1M15.6%1.44%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs