PAYNE COUNTY BANK, THE

PERKINS, OK | Small | Est. Jan. 8, 1898, midnight | FDIC #12485 | RSSD #455150 | FED
Latest Report: 2025-12-31

PAYNE COUNTY BANK, THE is asn small FDIC-insured commercial bank headquartered in PERKINS, OK, established in Jan. 8, 1898, midnight. As of 2025-12-31, the bank reported total assets of $295M and total deposits of $241M. Profitability stands at 1.38% ROA and 11.33% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 12.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 1.51%. FDIC Certificate #12485.

Assets

$295M

Deposits

$241M

Loans

$221M

Equity

$36M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 11.33%
Net Interest Margin (NIM) 4.49%
Yield on Assets 6.72%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.51%
NPA Ratio 0.19%
ACL / Loans 0.74%

Capital & Liquidity

CET1 Ratio 12.29%
Tier 1 Capital 12.29%
Total Capital Ratio 12.90%
Leverage Ratio 13.79%
Loan-to-Deposit 91.70%

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