The Payne County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 98.34 percentage points lower than in Q1 2026, at 190.17%. The Payne County Bank ranks 18th of 169 Oklahoma banks on return on assets, in the upper half at 2.37% (Q2 2026). The Payne County Bank's return on assets of 2.37% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.12 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.39% |
| Equity capital to assets | 12.61% |
| Tangible equity to tangible assets | 12.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.41% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.25% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 190.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.37% |
| Return on equity | 19.06% |
| Net interest margin | 4.38% |
| Efficiency ratio | 44.77% |
| Yield on earning assets | 6.35% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.68% |
| Core deposits to total deposits | 88.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.08% |
| Securities to assets | 14.49% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.46% | 2.28% | 3.87% | 0.27% | 0.01% |
| Q4 2023 | 15.32% | 0.36% | 3.51% | 0.20% | -0.01% |
| Q1 2024 | 15.27% | 1.92% | 3.62% | 0.25% | 0.00% |
| Q2 2024 | 15.65% | 1.81% | 3.71% | 0.27% | -0.00% |
| Q3 2024 | 15.07% | 1.99% | 3.80% | 0.23% | 0.08% |
| Q4 2024 | 14.63% | 1.29% | 3.94% | 0.22% | 0.04% |
| Q1 2025 | 14.65% | 1.91% | 3.96% | 0.27% | 0.17% |
| Q2 2025 | 14.45% | 1.98% | 4.10% | 0.31% | 0.01% |
| Q3 2025 | 13.93% | 2.03% | 4.25% | 0.31% | 0.05% |
| Q4 2025 | 13.79% | 1.35% | 4.28% | 0.26% | 0.07% |
| Q1 2026 | 13.97% | 2.26% | 4.18% | 0.26% | 0.19% |
| Q2 2026 | 14.39% | 2.37% | 4.38% | 0.41% | -0.01% |
The Payne County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Payne County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Payne County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12485) · FFIEC NIC profile (RSSD 455150)