B
The Payne County Bank
PerkinsOK
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Payne County Bank
Perkins, OK
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Rating B
Asset Quality Index 7.90
Capitalization Index 10.00
Liquidity Index 1.90
Profitability Index 8.20
Stability Index 5.00
Company Info The Payne County Bank
Perkins, OK
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FDIC Number 12485
Phone Number (405) 547-2436
Website www.paynecountybank.com
Asset Quality The Payne County Bank
Perkins, OK
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1-Year Asset Growth 13.62%
5-Year Asset Growth 9.58%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 2.82%
Non-Performing Loans to Loans 0.31%
Balance Sheet The Payne County Bank
Perkins, OK
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Total Assets 289.09M
Total Deposits 233.88M
Capital and Reserves The Payne County Bank
Perkins, OK
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Capital 34.99M
Leverage Ratio 13.93
Loan Loss Reserves to Loans 0.75%
Risk-Based Capital Ratio --
Liquidity The Payne County Bank
Perkins, OK
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Hot Money Ratio 21.86%
Liquidity Ratio 14.58%
Profitability The Payne County Bank
Perkins, OK
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5-Year Return on Average Assets 1.78%
Net Income 4.20M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.98%
Overhead Efficiency Ratio 49.32%
Return on Assets 1.98%
Return on Equity 16.44%