Side-by-side · Q2 2026 data
The Payne County Bank vs Citizens Bank and Trust Company of Ardmore
Metric by metric
| Measure | The Payne County Bank | Citizens Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 94 (stronger) | 56 |
| Loan quality | 64 | 100 (stronger) |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 84th | 72nd |
| Total assets | $313.2M | $318.8M |
| Deposits / shares | $257.1M | $268.9M |
| Capital ratio | 14.39% (stronger) | 10.60% |
| Problem loans | 1.09% | 0.00% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 2.35% (stronger) | 1.59% |
| Loans ÷ deposits | 91.0% | 78.1% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 28.4% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | — |
The Payne County Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Payne County Bank leads on 4 and Citizens Bank and Trust Company of Ardmore on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.