BanksPAYNE COUNTY BANK, THE

PAYNE COUNTY BANK, THE

PERKINS, OKSmallEst. Jan. 8, 1898, midnightFDIC #12485RSSD #455150FED
Latest · 2025-12-31

PAYNE COUNTY BANK, THE is an 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%. CET1 capital ratio: 12.29%, well above regulatory minimums. NPL ratio: 0.26% · Texas Ratio: 1.51%. Operates 2 domestic branches.

Assets
$295M
Deposits
$241M
Loans
$221M
Equity
$36M

Profitability

Return on Assets (ROA)1.38%
Return on Equity (ROE)11.33%
Net Interest Margin4.49%
Yield on Assets6.72%
Cost of Funds2.35%

Asset Quality

NPL Ratio0.26%
Net Charge-Off Ratio0.07%
Texas Ratio1.51%
NPA Ratio0.19%
ACL / Loans0.74%

Capital & Liquidity

CET1 Ratio12.29%
Tier 1 Capital12.29%
Total Capital Ratio12.90%
Leverage Ratio13.79%
Loan-to-Deposit91.70%

This is just the summary.

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