PAYNE COUNTY BANK, THE
PAYNE COUNTY BANK, THE is an FDIC-insured commercial bank headquartered in PERKINS, OK, established in 1898. As of , 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 4.31%. CET1 capital ratio: 12.30%, well above regulatory minimums. NPL ratio: 0.26% · Texas Ratio: 1.51%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Payne County Bank, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.30% | 1.38% | 0.26% | 1.51% | 4.31% |
| 2025-09-30 | 12.10% | 2.04% | 0.31% | 1.87% | 4.27% |
| 2025-06-30 | 12.38% | 2.03% | 0.31% | 1.72% | 4.13% |
| 2025-03-31 | 12.24% | 1.93% | 0.27% | 1.51% | 3.99% |
| 2024-12-31 | 11.77% | 1.31% | 0.22% | 1.29% | 3.97% |
| 2024-09-30 | 12.71% | 1.98% | 0.23% | 1.26% | 3.83% |
| 2024-06-30 | 12.57% | 1.79% | 0.27% | 1.49% | 3.73% |
| 2024-03-31 | 11.88% | 1.92% | 0.25% | 1.47% | 3.64% |
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Frequently asked about PAYNE COUNTY BANK, THE
What are Payne County Bank, the's total assets?
As of the Q4 2025 filing, Payne County Bank, the reported total assets of $295.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Payne County Bank, the headquartered?
Payne County Bank, the is headquartered in PERKINS, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Payne County Bank, the founded?
Payne County Bank, the was established in 1898, per the FDIC institution directory.
Is Payne County Bank, the FDIC-insured?
Yes. Payne County Bank, the is an FDIC-insured commercial bank (FDIC Certificate #12485). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Payne County Bank, the?
Payne County Bank, the's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Payne County Bank, the's CET1 capital ratio?
Payne County Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 12.30% in its most recent quarterly filing — above regulatory minimums.
How many branches does Payne County Bank, the operate?
Payne County Bank, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Payne County Bank, the's Texas Ratio?
Payne County Bank, the's Texas Ratio is 1.51% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.