The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (86 → 83), mostly because the loan quality component weakened by 8 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Oklahoma

Yes. The Payne County Bank is an FDIC-insured institution (FDIC certificate #12485). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($40.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

The Payne County Bank lists 3 offices in 3 cities. Most locations:

• Chandler, OK (1)
• Cushing, OK (1)
• Perkins, OK (1)

All branch addresses and map

In 2025, The Payne County Bank reported 115 home-loan applications under HMDA (LEI 254900OCV4AWL56SWL08): 101 originated ($17,565,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

The Payne County Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

12485

RSSD ID

455150

Primary regulator

FED

Holding company

Employee Stk Ownership Plan Emp Payne Cnty Bk

Established

January 8, 1898

Headquarters

202 S Main St, Perkins, OK 74059

Website

www.paynecountybank.com

Employees

34