The Perryton National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Perryton National Bank is an FDIC-insured commercial bank headquartered in Perryton, TX, established in 1921 (FDIC certificate 3388), and it is supervised by the OCC. At Q2 2026 it reported total assets of $212.7M, up 11.6% from Q2 2025, the 249th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3388
- Headquarters
- Perryton, TX
- Established
- 1921
- Total assets, Q2 2026
- $212.7M
- Assets vs Q2 2025
- +11.6%
- Tier 1 leverage ratio, Q2 2026
- 16.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111318584
- Latest call report
- Q2 2026, FFIEC 051 · The Perryton National Bank call report
- Holding company
- PERRYTON BANCSHARES, INC.
- Asset rank in state
- 249th of 346 in Texas
Problem loans are rising at The Perryton National Bank. It reported $213 million in assets at June 30, 2026, up 11.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.36% of loans from 0.00% a year earlier. It funds 16.40% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 25% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 21% from a year earlier, to $911,000. Over the same year, loans grew 5.0% and deposits grew 11.5%. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The Perryton National Bank reported a return on assets of 1.74%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 1.11%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The Perryton National Bank is the 249th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.8% to $212.7M, loans rose 7.9% and deposits rose 4.3%. Its loan book on June 30, 2026 was led by agricultural production loans, at 23.0% of total loans, followed by 1-4 family residential loans at 19.2%. Its one office in the FDIC Summary of Deposits is in Perryton, TX. By the capital ratios in its Q2 2026 call report, The Perryton National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 825 S Main St, Perryton, TX 79070
- County
- Ochiltree
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1921
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $181.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $209.4M
- Average total loans
- $96.6M
- Average interest-bearing deposits
- $133.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3388
- Fed RSSD
- 8462
- Website
- http://www.perrytonbank.com →
- Parent Holding Company
- PERRYTON BANCSHARES, INC. (RSSD 2454773)
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 Perryton National 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 Perryton National Bank's total assets ran between $182.7M (Q3 2023) and $212.7M (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
$212.7M total assets against $190.5M; $182.7M total liabilities against $164.0M.
$97.2M net loans and leases against $92.6M; $181.1M total deposits against $162.4M.
$98.0M securities against $85.6M; $15.2M cash and balances due against $10.1M.
$2.7M total interest income against $2.5M; $971K total interest expense against $938K.
$1.7M net interest income against $1.6M.
$188K total noninterest income against $185K; $891K total noninterest expense against $856K.
$77K provision for credit losses against $133K.
$911K net income against $750K.
1.74% return on assets against 1.56%; 3.31% net interest margin against 3.28%.
16.40% tier 1 leverage ratio against 16.89%.
Inside the full The Perryton National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Perryton National Bank rankings
Its closest position to the top of a national ranking is 501 of 3,606, for efficiency ratio; its furthest is 2,631 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.56% (Q2 2025) to 1.87% (Q4 2025) and its net interest margin ran from 2.86% (Q3 2024) to 3.49% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.40% | 1.74% | 0.36% | 1.11% | 3.31% |
| Q1 2026 | 16.42% | 1.68% | 0.05% | 0.14% | 3.20% |
| Q4 2025 | 16.34% | 1.87% | 0.03% | 0.08% | 3.33% |
| Q3 2025 | 17.17% | 1.69% | 0.04% | 0.13% | 3.49% |
| Q2 2025 | 16.89% | 1.56% | 0.00% | 0.00% | 3.28% |
| Q1 2025 | 16.72% | 1.70% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 16.81% | 1.57% | 0.00% | 0.00% | 3.11% |
| Q3 2024 | 16.52% | 1.62% | 0.00% | 0.00% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Perryton National Bank | Perryton , TX | 79070 | $181.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 306 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $131K approved, $131K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Perryton National Bank
What are The Perryton National Bank's total assets?
As of the Q2 2026 filing, The Perryton National Bank reported total assets of $212.7 million in its FFIEC call report.
Where is The Perryton National Bank headquartered?
It is headquartered in Perryton, TX, United States.
When was The Perryton National Bank founded?
It was established in 1921, per the FDIC institution directory.
Is The Perryton National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Perryton National Bank?
The Perryton National Bank's primary federal regulator is the OCC.
How many branches does The Perryton National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Perryton National Bank's Texas Ratio?
Its Texas Ratio is 1.11% 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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