BlastPoint's Banking Scorecard
The Payne County Bank
Micro
Specialty: Other
OK
FDIC cert 12485
Designations: ✓ Community bank
Perkins, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Payne County Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.2M
+10.7% YoY
+2.1% QoQ
|
+$77.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$219.2M
+14.8% YoY
+1.9% QoQ
|
+$80.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$240.8M
+8.8% YoY
+3.0% QoQ
|
+$57.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.85%
+5.9% YoY
-8.0% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.27%
+9.9% YoY
+1.2% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
54.44%
-5.1% YoY
+10.4% QoQ
|
-13.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.82%
+41.8% YoY
+50.3% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
91.02%
+5.5% YoY
-1.1% QoQ
|
+16.49% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
23.19%
-4.2% YoY
+0.2% QoQ
|
+0.79% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.61%
+46.7% YoY
+49.8% QoQ
|
+0.16% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
-7.2% YoY
+33.0% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%
82
82th pctile
Efficiency Ratio
Current: 54.44% · Tier avg: 67.73%
79
79th pctile
Total Loans
Current: $219.2M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $295.2M · Tier avg: $217.5M
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
69
69th pctile
Total Deposits
Current: $240.8M · Tier avg: $183.7M
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.02% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.02% · Tier avg: 74.53%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 22.39%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
69
69th pctile
Total Deposits
Current: $240.8M · Tier avg: $183.7M
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
71
71th pctile
Total Assets
Current: $295.2M · Tier avg: $217.5M
79
79th pctile
Total Loans
Current: $219.2M · Tier avg: $139.2M
82
82th pctile
Efficiency Ratio
Current: 54.44% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.08%