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Overview / Commentary
202 South Main Street
Perkins, OK 74059

Payne County Bank is headquartered in Perkins and is the 95th largest bank in the state of Oklahoma. It is also the 3,359th largest bank in the nation. It was established in 1898 and as of December of 2017, it had grown to 29 employees at 1 location. Payne County Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #12485
Year Established1898
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.78%
Return on Equity - YTD9.77%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$161.9MM$155.6MM
LoansQ4 2017vs Q4 2016$88.7MM$85.9MM
DepositsQ4 2017vs Q4 2016$126.7MM$122.4MM
Equity CapitalQ4 2017vs Q4 2016$29.7MM$28.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$711.00K$797.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$470.00K$465.00K
Real Estate OwnedQ4 2017vs Q4 2016$38.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Payne County Bank Savings Account Rates

0.85%--FDIC Insured IRA
0.20%$50-Personal Savings Account
0.20%$50-Commercial Savings Account

Payne County Bank Money Market Rates

0.50%*$50k*-Tiered Hi-Fi Money Market Checking
OTHER TIERS: 0.30% Up to $10k | 0.35% $10k - $25k | 0.45% $25k - $50k

Payne County Bank Checking Account Rates

0.10%$750-N.O.W. Interest Checking

Payne County Bank CD Rates

1.75%$5k-60 Months CD
1.60%$5k-48 Months CD
1.35%$5k-14 Months Promotional CD
1.35%$5k-42 Months Elevator CD w/ 2 Bump Options
1.25%$5k-36 Months CD
1.05%$5k-30 Months CD
1.00%$5k-7 Months Advantage CD
1.00%$5k-30 Months Elevator CD w/ 1 Bump Option
0.95%$5k-24 Months CD
0.85%$5k-18 Months CD
0.80%$5k-18 Months Elevator CD w/ 1 Bump Option
0.75%$5k-12 Months CD
0.65%$5k-6 Months CD
0.55%$5k-90 to 180 Days CD
0.50%$5k-30 to 89 Days CD
0.50%$100-12 Months Dream CD

Payne County Bank IRA Rates

1.60%$5k-60 Months IRA
1.45%$5k-48 Months IRA
1.15%$5k-36 Months IRA
0.95%$5k-30 Months IRA
0.85%$5k-24 Months IRA
0.80%$5k-18 Months IRA
0.70%$5k-12 Months IRA
0.60%$5k-6 Months IRA
0.50%$5k-90 to 180 Days IRA
0.45%$5k-30 to 89 Days IRA

Payne County Bank Locations
The Payne County Bank202 South Main StreetPerkins, OK 74059

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