Bank Comparison
First Security Bank, the vs Payne County Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.78% | 13.97% |
| Equity / Assets | 9.08% | 12.48% |
Profitability
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 2.26% |
| Return on Equity (ROE) | 7.97% | 18.69% |
| Net Interest Margin (NIM) | 5.68% | 4.18% |
| Yield on Earning Assets | 8.13% | 6.23% |
| Cost of Funds | 2.38% | 2.28% |
Asset quality
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| Texas Ratio | 9.14% | 5.06% |
| Non-Performing Loan Ratio | 0.17% | 0.26% |
| Non-Performing Asset Ratio | 0.22% | 0.20% |
| Net Charge-Off Ratio | 0.03% | 0.19% |
| ACL / Loans | 1.09% | 0.75% |
Balance sheet
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| Total Assets | $304,336K | $304,028K |
| Total Deposits | $267,405K | $252,605K |
| Total Loans | $264,268K | $226,269K |
| Total Equity | $27,634K | $37,953K |
| Net Income (quarter) | $493 | $1,735K |
Liquidity & funding
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 98.83% | 89.57% |
| Core Deposit Ratio | 79.16% | 88.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Security Bank, the | Payne County Bank, the |
|---|---|---|
| Headquarters City | BEAVER | PERKINS |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 31 | 34 |
| Established | Jan. 16, 1916, midnight | Jan. 8, 1898, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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