Side-by-side · Q2 2026 data
The Payne County Bank vs American Bank and Trust Company
Metric by metric
| Measure | The Payne County Bank | American Bank and Trust Company |
|---|---|---|
| TellerScore | 83 (stronger) | 60 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 64 (stronger) | 0 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 69 (stronger) | 64 |
| Problem-loan coverage | 88 (stronger) | 50 |
| Peer percentile | 84th | 19th |
| Total assets | $313.2M | $324.4M |
| Deposits / shares | $257.1M | $268.9M |
| Capital ratio | 14.39% | 15.32% (stronger) |
| Problem loans | 1.09% (stronger) | 6.26% |
| Net charge-offs | 0.09% (stronger) | 0.30% |
| Return on assets | 2.35% (stronger) | 1.42% |
| Loans ÷ deposits | 91.0% | 71.6% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 37.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
The Payne County Bank has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Payne County Bank leads on 5 and American Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.