The Payne County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Payne County Bank is an FDIC-insured commercial bank headquartered in Perkins, OK, established in 1898 (FDIC certificate 12485), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $313.2M, up 10.0% from Q2 2025, the 81st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12485
- Headquarters
- Perkins, OK
- Established
- 1898
- Total assets, Q2 2026
- $313.2M
- Assets vs Q2 2025
- +10.0%
- Tier 1 leverage ratio, Q2 2026
- 14.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103105213
- Latest call report
- Q2 2026, FFIEC 041 · The Payne County Bank call report
- Holding company
- PAYNE COUNTY BANCSHARES, INC.
- Asset rank in state
- 81st of 169 in Oklahoma
The Payne County Bank is one of the more profitable banks of its size. Its balance sheet stood at $313 million at June 30, 2026, up 10.0% from a year earlier; it is based in Perkins, Oklahoma. It earns about $2.37 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 30% from a year earlier, to $1.8 million. Over the same year, loans grew 16.7% and deposits grew 9.2%. Funding is the softer spot: it pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The Payne County Bank reported a return on assets of 2.37%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 6.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Payne County Bank is the 81st largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 3.0% to $313.2M, loans rose 4.2% and deposits rose 1.8%. 1-4 family residential loans made up 41.5% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 12.0%. The FDIC Summary of Deposits lists 3 offices for it, in Perkins, OK, Chandler, OK and Cushing, OK; its Perkins office books 82% of its branch deposits. On its Q2 2026 call report, The Payne County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 S Main St, Perkins, OK 74059
- County
- Payne
- Metro Area
- Stillwater, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 8, 1898
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $257.1M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $101K
- Average total assets
- $311.3M
- Average total loans
- $230.5M
- Average interest-bearing deposits
- $183.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12485
- Fed RSSD
- 455150
- Website
- www.paynecountybank.com →
- Parent Holding Company
- PAYNE COUNTY BANCSHARES, INC. (RSSD 1050806)
- Ultimate Parent
- RSSD 2168977
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Payne County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Payne County Bank's total assets ran between $234.6M (Q3 2023) and $313.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$313.2M total assets against $284.8M; $273.7M total liabilities against $249.5M.
$233.8M net loans and leases against $200.5M; $257.1M total deposits against $235.4M.
$45.4M securities against $47.5M; $20.6M cash and balances due against $23.9M.
$4.7M total interest income against $4.2M; $1.4M total interest expense against $1.4M.
$3.2M net interest income against $2.8M.
$389K total noninterest income against $349K; $1.6M total noninterest expense against $1.4M.
$145K provision for credit losses against $308K.
$1.8M net income against $1.4M.
2.37% return on assets against 1.98%; 4.38% net interest margin against 4.10%.
14.39% tier 1 leverage ratio against 14.45%.
Inside the full The Payne County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Payne County Bank rankings
Its closest position to the top of a national ranking is 218 of 3,611, for ROA; its furthest is 2,393 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 2.37% (Q2 2026) and its net interest margin ran from 3.80% (Q3 2024) to 4.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | 2.37% | 1.09% | 6.25% | 4.38% |
| Q1 2026 | 13.97% | 2.26% | 0.89% | 5.06% | 4.18% |
| Q4 2025 | 13.79% | 1.35% | 0.82% | 4.77% | 4.28% |
| Q3 2025 | 13.93% | 2.03% | 0.54% | 3.23% | 4.25% |
| Q2 2025 | 14.45% | 1.98% | 0.85% | 4.68% | 4.10% |
| Q1 2025 | 14.65% | 1.91% | 0.73% | 4.09% | 3.96% |
| Q4 2024 | 14.63% | 1.29% | 0.58% | 3.42% | 3.94% |
| Q3 2024 | 15.07% | 1.99% | 0.43% | 2.39% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Payne County Bank | Perkins , OK | 74059 | $210.0M |
| Chandler Branch | Chandler , OK | 74834 | $24.3M |
| Cushing Branch | Cushing , OK | 74023 | $22.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 93 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 115 applications, 101 loans originated, $17.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $260K approved, $260K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Payne County Bank
What are The Payne County Bank's total assets?
As of the Q2 2026 filing, The Payne County Bank reported total assets of $313.2 million in its FFIEC call report.
Where is The Payne County Bank headquartered?
It is headquartered in Perkins, OK, United States.
When was The Payne County Bank founded?
It was established in 1898, per the FDIC institution directory.
Is The Payne County Bank FDIC-insured?
Yes. It 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 The Payne County Bank?
The Payne County Bank's primary federal regulator is the Federal Reserve.
How many branches does The Payne County Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Payne County Bank's Texas Ratio?
Its Texas Ratio is 6.25% 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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