The Payne County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Payne County Bank of Perkins, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.37% | 1.34% | +1.03% | 93rd top |
| ROAE | 19.06% | 13.31% | +5.75% | 84th top |
| Net Interest Margin | 4.38% | 3.93% | +0.45% | 74th above |
| Efficiency Ratio | 44.77% | 61.14% | -16.37% | 90th top |
| PPNR / Avg Assets | 2.56% | 1.68% | +0.88% | 90th top |
| Yield on Earning Assets | 6.35% | 5.67% | +0.68% | 82nd top |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 24th bottom |
| Net Interest Spread | 3.57% | 3.32% | +0.25% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.41% | 0.94% | -0.53% | 50th above |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 85th top |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) | 190.17% | 1539.12% | -1348.95% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.25% | 7.33% | -1.08% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 317.82% | 1395.99% | -1078.17% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.39% | 12.14% | +2.25% | 83rd top |
| Equity / Assets | 12.61% | 11.37% | +1.24% | 75th top |
| TCE / Tangible Assets | 12.61% | 11.09% | +1.52% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.68% | 80.63% | +11.05% | 25th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.37% | 86.86% | +1.51% | 46th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.95% | 5.03% | -0.08% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.98% | 6.85% | +3.13% | 83rd top |
| Loan Growth (Y/Y) | 16.67% | 7.90% | +8.77% | 88th top |
| Deposit Growth (Y/Y) | 9.20% | 6.29% | +2.91% | 80th top |
See The Payne County Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Payne County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Payne County Bank profile, how to read a UBPR, or how this data updates.