Payne County Bank

Overview / Commentary

www.paynecountybank.com

405-547-2436

202 South Main Street
Perkins, OK 74059

Payne County Bank is headquartered in Perkins and is the 92^nd largest bank in the state of Oklahoma. It is also the 3,007^th largest bank in the nation. It was established in 1898 and as of March of 2022, it had grown to 31 employees at 2 locations. Payne County Bank has an A+ health rating.

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Health

A+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	12485
Year Established	1898
Employees	31
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	2.02%
Return on Equity - YTD	12.9%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$214.6MM$205.0MM
Loans	Q1 2022vs Q1 2021	$124.7MM$115.4MM
Deposits	Q1 2022vs Q1 2021	$176.8MM$164.4MM
Equity Capital	Q1 2022vs Q1 2021	$32.0MM$34.9MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$1.1MM$1.2MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.0MM$1.3MM
Real Estate Owned	Q1 2022vs Q1 2021	$9.00K$114.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.70%	-	-	FDIC Insured IRA
0.15%	$50	-	Personal Savings Account
0.15%	$50	-	Commercial Savings Account

Payne County Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.22%^*	$50k^*	-	Tiered Hi-Fi Money Market Checking
OTHER TIERS: 0.16% → Up to $10k \| 0.18% → $10k - $25k \| 0.20% → $25k - $50k

Payne County Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$750	-	N.O.W. Interest Checking

Payne County Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$5k	-	60 Month CD
1.10%	$5k	-	48 Month CD
1.05%	$5k	-	36 Month CD
1.00%	$5k	-	42 Month Elevator CD w/ 2 Bump Options
0.95%	$5k	-	30 Month CD
0.90%	$5k	-	24 Month CD
0.85%	$5k	-	30 Month Elevator CD w/ 1 Bump Option
0.75%	$5k	-	18 Month CD
0.70%	$5k	-	14 Month Promotional CD
0.70%	$5k	-	18 Month Elevator CD w/ 1 Bump Option
0.65%	$5k	-	12 Month CD
0.65%	$5k	-	9 Month Special CD
0.55%	$5k	-	6 Month CD
0.45%	$5k	-	90 to 180 Day CD
0.40%	$5k	-	30 to 89 Day CD
0.40%	$100	-	12 Month Dream CD

Payne County Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$5k	-	60 Month IRA
1.05%	$5k	-	36 Month IRA
0.65%	$5k	-	12 Month IRA

Locations

Payne County Bank Locations
The Payne County Bank	202 South Main Street	Perkins, OK 74059
Chandler Branch	920 East 1st Street, Suite A	Chandler, OK 74834

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