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The Payne County Bank

Perkins, OK
IDRSSD: 455150
Total Assets
$289.09M
Latest filing
Total Deposits
$233.88M
Latest filing
Net Interest Margin
4.32%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/08/1898
Community BankYes
Ownership TypeNot Mutual
ZIP74059
State and County Number40119
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number10
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameStillwater, OK

Operational Info

Number of Employees33
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.paynecountybank.com
Data Updated11/14/2025
CERT12485
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$289.09M
Total Deposits$233.88M
Total Liabilities$254.09M
Total Equity Capital$34.99M
Net Income$1.47M
Net Loans and Leases$215.20M
Assets Per Employee ($Millions)$8.5M
Bank Premises and Fixed Assets$1.97M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$233.88M

Key Performance Ratios

Return on Assets (ROA)2.04%
Return on Equity (ROE)16.69%
Net Interest Margin4.32%
Efficiency Ratio51.24%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.15%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.105%
Earning Assets to total Assets93.62%

Income and Expense

Total Interest Income$4.33M
Total Noninterest Income$340.00k
Total Interest Expense$1.44M
Total Noninterest Expense$1.66M
Net Interest Income$2.89M
Pre-tax Net Operating Income$1.47M
Provision for Credit Losses$110.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$3.00k
Other borrowed funds$19.00M
Federal Funds Sold & Reverse Repurchase Agreement$8.01M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.22M
Total Liabilities and Capital$289.09M

Securities

Securities$47.17M
Available-for-sale debt securities$47.17M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Payne County Bank?
$289.09M as of the latest filing.
How much are The Payne County Bank's total deposits?
$233.88M in total deposits.
Where is The Payne County Bank located?
Perkins, OK.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
2.
When was it established?
01/08/1898.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$215.20M (latest filing).
What is the total interest income (latest filing)?
$4.33M.