The Payne County Bank
Perkins, OK
IDRSSD: 455150
Total Assets
$295.23M
Latest filing
Total Deposits
$240.85M
Latest filing
Net Interest Margin
4.41%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103105213PERKINS, OK
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Payne County Bank
202 S Main St
Perkins, OK 74059
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/08/1898FDIC Certificate 7945
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Payne County Bank (Main) | 202 S Main St | Perkins, OK |
| CHANDLER BRANCH | 920 E 1st St | Chandler, OK |
| CUSHING BRANCH | 1002 E Main St | Cushing, OK |
Showing 2 of 2
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 Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/08/1898 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74059 |
| State and County Number | 40119 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Stillwater, OK |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.paynecountybank.com |
| Data Updated | 01/30/2026 |
| CERT | 12485 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $295.23M |
| Total Deposits | $240.85M |
| Total Liabilities | $258.93M |
| Total Equity Capital | $36.30M |
| Net Income | $1.01M |
| Net Loans and Leases | $219.22M |
| Assets Per Employee ($Millions) | $8.68M |
| Bank Premises and Fixed Assets | $1.98M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $240.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 11.33% |
| Net Interest Margin | 4.41% |
| Efficiency Ratio | 68.48% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.296% |
| Earning Assets to total Assets | 93.54% |
Income and Expense
| Total Interest Income | $4.52M |
| Total Noninterest Income | $377.00k |
| Total Interest Expense | $1.50M |
| Total Noninterest Expense | $2.32M |
| Net Interest Income | $3.01M |
| Pre-tax Net Operating Income | $1.01M |
| Provision for Credit Losses | $59.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $3.00k |
| Other borrowed funds | $17.25M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.26M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $833.00k |
| Total Liabilities and Capital | $295.23M |
Securities
| Securities | $46.43M |
| Available-for-sale debt securities | $46.43M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$295.23M as of the latest filing.
How much are The Payne County Bank's total deposits?
$240.85M in total deposits.
Where is The Payne County Bank located?
Perkins, OK.
What is the Net Interest Margin?
4.41%.
How many domestic offices does it operate?
2.
When was it established?
01/08/1898.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$219.22M (latest filing).
What is the total interest income (latest filing)?
$4.52M.