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The Payne County Bank
Perkins, OK · FDIC Certificate #12485 · Chartered 01/0
Total assets
$313.18M
Total deposits
$257.07M
Total equity
$39.49M
Net loans
$233.83M
Branches (offices)
3
Net income (YTD)
$3.58M
Rank: #2,403 of 4,213 U.S. banks by assets · #81 of 168 in Oklahoma. Assets changed 10.0% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.35% |
| Return on equity | 18.88% |
| Net interest margin (YTD) | 4.38% |
| Equity to assets | 12.61% |
| Tier 1 leverage ratio | 14.39% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 1.09% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 73.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $172.18M | 73.6% | |
| Commercial & industrial | $20.10M | 8.6% | |
| Consumer / individual | $14.29M | 6.1% | |
| Construction & development | $19.39M | 8.3% | |
| Agricultural | $28.19M | 12.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.58M | $181.53M | $2.13M | $29.22M |
| Jun 2023 | $237.91M | $188.80M | $2.49M | $29.19M |
| Jun 2024 | $252.06M | $204.27M | $2.32M | $31.69M |
| Jun 2025 | $284.76M | $235.42M | $2.73M | $35.25M |
| Jun 2026 | $313.18M | $257.07M | $3.58M | $39.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $257.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $257.07M.
Similar-sized banks
Peoples Bank ($313.76M) · State Bank Of Graymont ($312.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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