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.
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