Branch Network
The Payne County Bank Locations & Branches Perkins, Oklahoma
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The Payne County Bank operates 3 branches from its headquarters in Perkins, OK, .
The Payne County Bank branch network
All 3 branches are in OKLAHOMA, across 3 cities. Its largest office by deposits is the The Payne County Bank office in Perkins, OK, with $210.0M (81.7% of its branch deposits). On June 30, 2025 it had 2 branches, 1 fewer than in 2026.
The Payne County Bank at a glance
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.
- Total assets, Q2 2026
- $313.2M
- Tier 1 leverage ratio, Q2 2026
- 14.39%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1898
Full financial profile · Is The Payne County Bank safe? · The Payne County Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Perkins, OK (1 branch) | 1 of 2 | 88.0% | $210.0M |
| State: OK (3 branches) | 93 of 192 | 0.2% | $257.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Oklahoma.
Share by county and metro area
The Payne County Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Payne, OK (2 branches) | 4 of 16 | 10.3% | $232.8M | $2.25B |
| Lincoln, OK (1 branch) | 4 of 5 | 3.0% | $24.3M | $797.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Stillwater, OK (2 branches) | 4 of 16 | 10.3% | $232.8M | $2.25B |
| Oklahoma City, OK (1 branch) | 67 of 71 | <0.1% | $24.3M | $60.81B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 12485) · FFIEC NIC profile (RSSD 455150)