Side-by-side · Q2 2026 data
Prism Bank vs The Payne County Bank
Metric by metric
| Measure | Prism Bank | The Payne County Bank |
|---|---|---|
| TellerScore | 63 | 83 (stronger) |
| Capital cushion | 51 | 94 (stronger) |
| Loan quality | 84 (stronger) | 64 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 44 | 69 (stronger) |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 24th | 84th |
| Total assets | $720.9M | $313.2M |
| Deposits / shares | $639.6M | $257.1M |
| Capital ratio | 10.08% | 14.39% (stronger) |
| Problem loans | 0.49% (stronger) | 1.09% |
| Net charge-offs | -0.02% (stronger) | 0.09% |
| Return on assets | 0.91% | 2.35% (stronger) |
| Loans ÷ deposits | 95.3% | 91.0% (stronger) |
| Uninsured deposits | 33.5% | 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 63). On the 7 directional measures above (where higher or lower is clearly better), Prism Bank leads on 2 and The Payne County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.