Carson Community Bank
Carson Community Bank is a privately-held community bank headquartered in Stilwell, Oklahoma, operating four branches across Northeast Oklahoma's Adair, Cherokee, and Delaware Counties. It serves consumers, small businesses, agricultural operators, rural populations, and Native American communities with checking, savings, loans, and credit cards through local relationship banking supported by digital and mobile channels.
- Company typePrivate
- Founded1920
- HeadquartersStilwell, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Carson Community Bank does
Carson Community Bank is a privately-held, locally-owned community bank headquartered in Stilwell, Oklahoma, formed in April 2020 through the merger of Bank of Commerce and Peoples Bank. The bank operates four branches across Adair, Cherokee, and Delaware Counties in Northeast Oklahoma, serving individual consumers, small businesses, agricultural operators, rural populations, and Native American communities within the Cherokee Nation jurisdictional area. Its product portfolio spans personal and business checking and savings accounts, interest-bearing deposit products (CDs, IRAs, statement savings), consumer/commercial/agricultural loans (real estate, vehicles, equipment, livestock, operating capital), and credit cards. Ancillary services include safe deposit boxes, wire transfers, notary services, and a library of financial calculators.
The bank's technology stack centers on a digital banking platform accessible via web browser and the CCB Mobile mobile application (available on Apple and Android). Core digital features include online account opening (powered by MeridianLink), mobile check deposit with same-day 3PM CST cutoff and automatic review above $1,000, bill pay with expedited same-day and overnight options, and external account aggregation across other financial institutions. The platform also includes a Spendable Balance cash flow management feature. Document submission is handled via a third-party integration with 3esoftware.com, and credit card applications are routed through cardaccount.net. The bank is FDIC-insured, designated as an Equal Housing Lender, and is locally owned with no parent company, subsidiaries, or public listing.
Revenue is generated through interest income on consumer, commercial, and agricultural loans, supplemented by a diverse fee schedule covering overdraft charges ($25 per item), stop payment fees ($27.50 per item), wire transfers ($10-$20 per transaction), safe deposit box rentals ($10-$45 annually), dormant account fees, check cashing fees (3% of face amount, $10 minimum), debit card issuance ($10-$15), and credit card interest and transaction fees. Account tiers (Check Plus, Check Now, Hi-Fi Checking, Hi-Fi Platinum, Statement Savings) carry monthly service charges ranging from $7.50 to $8, often waivable through minimum daily balance thresholds between $100 and $10,000. Go-to-market is relationship-driven through the four-branch physical network, with digital channels (online account opening, mobile app, website, Facebook page, email newsletter, YouTube testimonials, and community donations and sponsorships) serving as supplementary acquisition and engagement tools.
Carson Community Bank firmographics
Firmographics- Name
- Carson Community Bank
- Legal name
- Carson Community Bank
- Website
- https://carsoncommunity.bank
- Company type
- Private
- Founded year
- 1920
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Carson Community Bank is a privately-held community bank headquartered in Stilwell, Oklahoma, operating four branches across Northeast Oklahoma's Adair, Cherokee, and Delaware Counties. It serves consumers, small businesses, agricultural operators, rural populations, and Native American communities with checking, savings, loans, and credit cards through local relationship banking supported by digital and mobile channels.
- Ownership category
- akta.pro rank
Carson Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Carson Community Bank is headquartered
LocationHeadquarters
- HQ city
- Stilwell
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Carson Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Traditional lending revenue from consumer, commercial, and agricultural loans including real estate, vehicle, equipment, and operating capital financing
- Banking Fees and Service Charges: Account service fees including monthly maintenance charges, overdraft fees ($25), stop payment fees ($27.50), dormant account fees, wire transfer fees, and various transaction-based charges
- Credit Card Operations: Revenue from credit card products including interest charges on balances and transaction fees
- Deposit Account Revenue: Revenue generated from deposit accounts including minimum balance fees, transaction limits, and CD (Certificate of Deposit) products
- Safe Deposit Box Rental: Annual rental fees for safe deposit boxes ranging from $10 to $45 depending on size
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Annual | Safe Deposit Boxes |
| Transaction based/ take rate | Pay-as-you-go | Overdraft and Return Item Fees |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfers |
| Transaction based/ take rate | Pay-as-you-go | Check Cashing |
| Unit Pricing | One time/ perpetual license | Instant Issue Debit Card |
| Subscription | Monthly | Check Plus Account |
| Subscription | Monthly | Dormant Account Fee |
| Subscription | Monthly | Bill Pay |
| Subscription | Monthly | Check NOW Account |
| Subscription | Monthly | Hi-Fi Checking |
| Subscription | Monthly | Hi-Fi Platinum |
| Subscription | Monthly | Statement Savings Account |
| Unit Pricing | Multi-year contract | Certificate of Deposit |
| Subscription | Monthly | Credit Cards |
| Transaction based/ take rate | Pay-as-you-go | Bill Pay Expedited Transactions |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Carson Community Bank product offering
Product offeringCore offering
Carson Community Bank is a locally owned community bank providing personal and business checking and savings accounts, CDs, IRAs, credit cards, and consumer, commercial, and agricultural loans. Services are delivered across four physical branches in Adair, Cherokee, and Delaware Counties (Oklahoma) and through an online banking platform and CCB Mobile app supporting account access, transfers, mobile deposit, bill pay, and external account aggregation.
Product overview
Carson Community Bank is a community bank offering a comprehensive suite of banking products and services. The core product portfolio consists of personal and business checking and savings accounts, interest-bearing deposit products including CDs and IRAs, consumer/commercial/agricultural loans, and credit cards. Digital banking is provided through online banking and a mobile app (CCB Mobile) that offers mobile deposits, bill pay, and account aggregation. Additional services include safe deposit boxes, wire transfers, and a library of financial planning calculators. The bank serves Adair, Cherokee, and Delaware Counties in Northeast Oklahoma, formed from the 2020 merger of Bank of Commerce and Peoples Bank.
Differentiator
Problem solved
Functional benefit
Products and services
- Checking Accounts Personal checking account suite including Check Plus (free checks, money orders, safe deposit box discount), Check Prime (age 50+ with no monthly service charge), Check Now (interest-bearing with $1,000 suggested opening), and Check EZ (no monthly service charge).
- Business Accounts Business checking accounts including Small Business Free (150 free transactions, $100 opening deposit) and Commercial Checking (earnings credit on average collected balance); includes free check images, Visa check card, notary, and electronic statements.
- Interest Bearing Accounts Interest-bearing deposit products including Check NOW, Hi-Fi Checking, Hi-Fi Platinum, Statement Savings, Kid Cent$ Savings (for children 17 and under), Christmas Club, Certificates of Deposit, and Individual Retirement Accounts (IRAs).
- Loans Consumer, commercial, and agricultural lending including real estate, home purchase/refinance/improvements, land, vehicles, boats, commercial purchase/refinance/improvements/operating capital, and agriculture equipment/livestock/production loans.
- Credit Cards Credit card program with no annual fee, competitive interest rates, $40 minimum payment, accepted at thousands of locations, ability to build or restore credit, and instant cash access at ATMs.
- Online Banking Web-based digital banking platform enabling account access, transfers, bill pay, mobile deposits, and account aggregation from other financial institutions, supplemented by online account opening via MeridianLink.
- CCB Mobile App Mobile banking application for Apple and Android devices enabling account access, transfers, mobile check deposits, bill pay, and external account aggregation. Available on Apple App Store and Google Play.
- Safe Deposit Boxes Secure storage boxes available in multiple sizes (3x5 to 10x10) with annual rental fees from $10 to $45 plus key replacement ($20) and drill ($150) fees.
- Wire Transfers Outgoing wire transfers priced at $20 and incoming wire transfers priced at $10.
Quantifiable outcome
- 100 years of continuous community banking service
Companies that use Carson Community Bank
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles4 records
Carson Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
Carson Community Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves7 records
Expansion highlights5 records
Carson Community Bank competitors and assessment
Company assessmentDirect peers
- Armstrong Bank: Oklahoma community bank operating in Eastern Oklahoma markets with comparable size, consumer/SMB banking focus, and relationship-driven GTM. Closely aligned with CCB in target customer segments and product breadth.
- SpiritBank: Oklahoma-based community bank focused on consumer and small business banking across Eastern Oklahoma markets. Most directly comparable in scale and operating model to CCB, serving similar rural and small-town customer segments with branch-based relationship banking.
- Central National Bank of Poteau: Independently owned community bank in Eastern Oklahoma with a comparable small-footprint, relationship-driven model. Similar customer profile (rural consumers, small businesses, agricultural borrowers) and product suite to CCB, making it a near-direct comparable.
- First National Bank of Vinita: Community bank serving Northeast Oklahoma and the Grand Lake region, geographically adjacent to CCB's service area. Comparable on scale, branch model, ag and consumer lending focus, and rural/small-town customer base.
Broad incumbents
- Arvest Bank: Regional bank holding company headquartered in Northwest Arkansas with significant presence across Oklahoma, including Northeast Oklahoma markets overlapping CCB's footprint. Both serve rural and small-town consumer/SMB banking customers with branch-based relationship models, though Arvest operates at materially larger scale.
- BOK Financial (Bank of Oklahoma): Major regional bank holding company with deep Oklahoma roots offering commercial, consumer, and wealth banking services. Overlaps CCB on consumer/SMB deposits and lending, with comparable FDIC-insured full-service banking, though at significantly larger scale and broader geographic reach.
- BancFirst: Oklahoma's largest state-chartered bank with branches across the state including Northeast Oklahoma. Comparable as a community/commercial banking franchise offering consumer deposits, loans, and ag lending, but operating at substantially greater scale with broader product set.
Emerging players
- Vision Bank: Oklahoma community bank focused on relationship-based consumer and small business banking. Comparable in scale and target segments to CCB, with overlapping product suite and similar rural/regional customer orientation.
Regional players
- F&M Bank (Oklahoma): Oklahoma-based community bank with comparable footprint and customer profile to CCB, focused on consumer and small business banking in smaller Oklahoma markets. Useful as a regional peer for size and product benchmarking.
- First Bank (Arkansas): Community bank holding company in the broader Southern Plains region with similar consumer/SMB banking model and comparable branch footprint scale. Useful comparable for benchmarking community bank operating metrics in adjacent geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Carson Community Bank social profiles
Digital presenceCarson Community Bank compliance and trust
Trust signalCompliance2 records
Carson Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carson Community Bank leadership team
Management profileNumber of profiles
Carson Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carson Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carson Community Bank
What does Carson Community Bank do?
Carson Community Bank is a locally owned community bank providing personal and business checking and savings accounts, CDs, IRAs, credit cards, and consumer, commercial, and agricultural loans. Services are delivered across four physical branches in Adair, Cherokee, and Delaware Counties (Oklahoma) and through an online banking platform and CCB Mobile app supporting account access, transfers, mobile deposit, bill pay, and external account aggregation.
Is Carson Community Bank a public or private company?
Carson Community Bank is a private company. It is classified as family owned and is currently operating.
When was Carson Community Bank founded?
Carson Community Bank was founded in 1920. It employs 101 to 250 people.
Where is Carson Community Bank based?
Carson Community Bank is headquartered in Stilwell, United States, in the North America region.
How does Carson Community Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges, credit Card Operations, deposit Account Revenue and safe Deposit Box Rental.
Who are Carson Community Bank's main competitors?
Direct peers on record are Armstrong Bank, SpiritBank, Central National Bank of Poteau and First National Bank of Vinita. Broad incumbents are Arvest Bank, BOK Financial (Bank of Oklahoma) and BancFirst. Vision Bank is listed as an emerging player. Regional players are F&M Bank (Oklahoma) and First Bank (Arkansas).
Does Carson Community Bank have an API?
No public API is recorded for Carson Community Bank.
What industry is Carson Community Bank in?
Carson Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines). Its NAICS code is 52211 and its SIC code is 6022.