No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $313.2M | $257.1M | $233.8M | $39.5M | $3.6M | 2.35% | 4.38% | 0.82% |
| Q1 2026 | $304.0M | $252.6M | $224.6M | $38.0M | $1.7M | 2.32% | 4.31% | 0.66% |
| Q4 2025 | $295.2M | $240.8M | $219.2M | $36.3M | $5.2M | 1.85% | 4.27% | 0.61% |
| Q3 2025 | $289.1M | $233.9M | $215.2M | $35.0M | $4.2M | 2.01% | 4.21% | 0.41% |
| Q2 2025 | $284.8M | $235.4M | $200.5M | $35.2M | $2.7M | 1.98% | 4.16% | 0.60% |
| Q1 2025 | $275.2M | $227.5M | $194.8M | $33.7M | $1.3M | 1.93% | 4.04% | 0.52% |
| Q4 2024 | $266.6M | $221.4M | $191.0M | $31.4M | $4.4M | 1.74% | 3.88% | 0.42% |
| Q3 2024 | $254.4M | $205.8M | $182.1M | $32.3M | $3.6M | 1.90% | 3.85% | 0.31% |
Loan mix (Q2 2026): real estate $172.2M · commercial $20.1M · consumer $14.3M · securities $45.4M
| Ratio | The Payne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.5% | 62.9% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Payne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Payne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Payne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Payne County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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