FDIC Cert #12485 · Perkins, Oklahoma · Est. 1898

The Payne County Bank - FDIC Bank Health Profile

A community-scale look at The Payne County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$295M
Total assets
A
Health grade · Excellent
1.85%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

The Payne County Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.79% Tier 1, profitable at 1.85% ROA, efficient (54% cost ratio).

#2,509
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
13.79%
Tier 1 ratio - above the 10% well-capitalized line
87th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 12485 · OK A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #651/4307
  • PHOTO-FINISH PB&T Bank · CO
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 4.8% Texas
  • ROA-STRONG 1.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: PB&T Bank, CO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Payne County Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Ca… · WI ·…92/100Farmers and Drovers… · KS · …92/100PB&T Bank · CO · near92/100The Central Trust Bank · MO …92/100The Payne County Bank · OK ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Payne County Bank · July 2026

What The Payne County Bank's Call Report plate shows

The Payne County Bank (FDIC Cert #12485) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #651 of 4,307. Tier 1 capital prints at 13.79%, clearing the 10% well-capitalized line. The Texas Ratio is 4.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.85%. Balance-sheet scale is $295M, 2,509th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is PB&T Bank (CO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Payne County Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

The Payne County Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Payne County Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How The Payne County Bank's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
The Payne County Bank's composite health score
Tier 1 Capital Ratio (13.79%) 35/40
Return on Assets (ROA) (1.85%) 25/25
Texas Ratio (4.76%) 20/20
Efficiency Ratio (54.44%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$295M

Total balance-sheet footings

Total Deposits

$241M

Customer-funded liabilities

Net Loans

$219M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.39% 13.79% 15.19%
Basel III capital ratios - The Payne County Bank

Where The Payne County Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Payne County Bank's score of 92/100 falls in the highlighted band.

The Payne County Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 15% higher than 85% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Payne County Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Payne County Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Payne County Bank's $295M falls in the highlighted band.

Safety ratios for The Payne County Bank

Tier 1 capital ratio
Well-capitalized 10%

13.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.79%
Texas Ratio
4.76%
Equity Capital
$36M

What these ratios mean →

Earnings posture at The Payne County Bank

Return on Assets (ROA)
87th percentile nationally
1.85%
Return on Equity (ROE)
15.17%
Efficiency Ratio
54.44%

What these mean →

Income & expense at The Payne County Bank

$17M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Payne County Bank reports a Texas Ratio of 4.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Payne County Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($295M here), outside Oklahoma so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $295M · OH The Jacksboro National Bank $295M · TX Tri-County Bank & Trust Company $296M · IN First Southern Bank $295M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Payne County Bank (FDIC Cert #12485) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Payne County Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%