Side-by-side · Q2 2026 data
Community Bank vs The Payne County Bank
Metric by metric
| Measure | Community Bank | The Payne County Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 51 | 94 (stronger) |
| Loan quality | 71 (stronger) | 64 |
| Earnings | 100 | 100 |
| Funding & liquidity | 65 | 69 (stronger) |
| Problem-loan coverage | 84 | 88 (stronger) |
| Peer percentile | 47th | 84th |
| Total assets | $119.1M | $313.2M |
| Deposits / shares | $106.9M | $257.1M |
| Capital ratio | 10.09% | 14.39% (stronger) |
| Problem loans | 0.86% (stronger) | 1.09% |
| Net charge-offs | 0.04% (stronger) | 0.09% |
| Return on assets | 2.13% | 2.35% (stronger) |
| Loans ÷ deposits | 90.1% (stronger) | 91.0% |
| Uninsured deposits | 19.8% | 15.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
The Payne County Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Community Bank leads on 3 and The Payne County Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.