Side-by-side · Q2 2026 data
The First National Bank & Trust vs The Payne County Bank
Metric by metric
| Measure | The First National Bank & Trust | The Payne County Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 83 |
| Capital cushion | 81 | 94 (stronger) |
| Loan quality | 81 (stronger) | 64 |
| Earnings | 100 | 100 |
| Funding & liquidity | 96 (stronger) | 69 |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 92nd | 84th |
| Total assets | $294.0M | $313.2M |
| Deposits / shares | $265.0M | $257.1M |
| Capital ratio | 13.09% | 14.39% (stronger) |
| Problem loans | 0.56% (stronger) | 1.09% |
| Net charge-offs | -0.05% (stronger) | 0.09% |
| Return on assets | 2.12% | 2.35% (stronger) |
| Loans ÷ deposits | 57.1% (stronger) | 91.0% |
| Uninsured deposits | 19.1% | 15.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
The First National Bank & Trust has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank & Trust leads on 4 and The Payne County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.