Paycom National Trust Bank
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Data as of · sourced from FFIEC call reports. How we update
Paycom National Trust Bank is an FDIC-insured bank headquartered in Oklahoma City, OK. At Q2 2026 it reported total assets of $20.3M, up 19.2% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Oklahoma City, OK
- Established
- Not reported
- Total assets, Q2 2026
- $20.3M
- Assets vs Q2 2025
- +19.2%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 103013486
- Latest call report
- Q2 2026, FFIEC 051 · Paycom National Trust Bank call report
Paycom National Trust Bank is one of the more profitable banks of its size. Its balance sheet stood at $20 million at June 30, 2026, up 19.2% from a year earlier; it is based in Oklahoma City, Oklahoma. It returns 33.6% a year on shareholders' equity, 3.9 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 29 cents to bring in each dollar of revenue, about a third the median of 69 cents for banks its size.
As of June 30, 2026, Paycom National Trust Bank reported a CET1 capital ratio of 293.19%, a return on assets of 36.07% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets rose 8.1% to $20.3M. On its Q2 2026 call report, Paycom National Trust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Oklahoma City, OK
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Employees (FTE)
- 9
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $16.9M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 5972661
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q4 2024 to Q2 2026, Paycom National Trust Bank's total assets ranged from $11.5M (Q4 2024) to $20.3M (Q2 2026), and it earned a profit in all 7 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$20.3M total assets against $17.0M; $1.4M total liabilities against $4.3M.
$0 net loans and leases against $0; $0 total deposits against $0.
$0 securities against $0; $17.2M cash and balances due against $11.5M.
$150K total interest income against $120K; $0 total interest expense against $0.
$150K net interest income against $120K.
$2.9M total noninterest income against $2.8M; $876K total noninterest expense against $860K.
No provision recorded in the last 7 quarters.
$1.5M net income against $1.5M.
36.07% return on assets against 55.05%; 3.52% net interest margin against 4.41%.
293.19% CET1 capital ratio against 163.39%; 111.90% tier 1 leverage ratio against 117.29%.
Inside the full Paycom National Trust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 22.36% (Q3 2024) to 72.59% (Q1 2025) and its net interest margin ran from 3.48% (Q1 2026) to 5.10% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 293.19% | 36.07% | — | 0.00% | 3.52% |
| Q1 2026 | 281.28% | 45.69% | — | 0.00% | 3.48% |
| Q4 2025 | 280.54% | 42.86% | — | 0.00% | 3.94% |
| Q3 2025 | 280.36% | 43.35% | — | 0.00% | 4.39% |
| Q2 2025 | 163.39% | 55.05% | — | 0.00% | 4.41% |
| Q1 2025 | 241.28% | 72.59% | — | 0.00% | 4.33% |
| Q4 2024 | 425.72% | 69.53% | — | 0.00% | 4.75% |
| Q3 2024 | 357.07% | 22.36% | — | 0.00% | 5.10% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Paycom National Trust Bank
What are Paycom National Trust Bank's total assets?
As of the Q2 2026 filing, Paycom National Trust Bank reported total assets of $20.3 million in its FFIEC call report.
Where is Paycom National Trust Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
What is Paycom National Trust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 293.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Paycom National Trust Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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