Bank · FDIC insured
Payne County Bank
Top CarrotA $313.2M bank headquartered in Perkins, OK, with 3 branches in Oklahoma. Best rates: CDs 4.35% and savings 1.10% APY.
Payne County Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#1 of 11 in Stillwater, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Payne County Bank
Founded in 1898, Payne County Bank operates as a 100% employee-owned community bank.
The institution merged with the First State Bank of Perkins in 1924 and serves Payne County and Lincoln County.
- Headquarters
- 202 S Main St, Perkins, OK 74059
- FDIC certificate
- 12485 ↗
Branches
3 branches in Oklahoma
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Oklahoma
3 branches
Stillwater area · 2
- The Payne County BankMain office202 S Main St, Perkins, OK 74059Directions
- Cushing Branch1002 E Main St, Cushing, OK 74023Directions
Oklahoma City area · 1
- Chandler Branch920 E 1st St, Chandler, OK 74834Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.09% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio14.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.09%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Payne County Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.