# PAYNE COUNTY BANK
PERKINS, OK · FDIC certificate 12485 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $313.2M | |
| Deposits | $257.1M | |
| Loans and leases | $235.7M | |
| Total equity | $39.5M | |
| Loans / deposits | 90.96% (p73 of band) | 82.04% |
| Liquid assets / assets | 21.06% (p35 of band) | |
| Uninsured deposits / deposits | 15.57% (p14 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.95% (p57 of band) | |
| FHLB advances / assets | 4.95% | |
| Tier 1 leverage | 14.39% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -13.42% (p35 of band) | -8.10% |
| AOCI / equity | -1.00% (p23 of band) | |
| ROA (annualized) | 2.35% (p93 of band) | 1.28% |
| Net interest margin | 4.38% (p76 of band) | 3.91% |
| Efficiency ratio | 44.47% (p9 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 72.02% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 49.09% (p56 of band) | |
| Auto loans | $6.9M (2.91% of loans; DQ 2.88%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | capital falling | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent | capital falling |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | reserve under noncurrent |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity, reserve under noncurrent |  |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | reserve under noncurrent |  |
| 2024-06 | 0 |  | capital falling, reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 | capital falling | reserve under noncurrent |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 | charge-offs p90 | capital falling |
| 2026-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-25 [United Way Honors Its Champions at Annual Meeting - 1600 KUSH](https://news.google.com/rss/articles/CBMihwFBVV95cUxOOEwwN0ZHSmJJXzY0SGlSY2Q3b3M3VTRyNHZXdUpjeEN6bzZZdGI5ZzV4Vm15aTcxUWVQSkloaGMxZnV0cFlxa3U5MzBmQ1BGX2lIZlNsMl9JRVBvaEdfRnZtenRTMktiLVdJSXFRZHJjeVR1RTVKblE5NzdrUC1FblI2dElOLUE?oc=5) · 1600 KUSH
- 2026-08-24 [W. D. "Bill" Sasser Obituary (2026) - Perkins, OK - Dighton-Marler Funeral Home - Stillwater - Legacy obituary](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfNDJIRFJHSnlDZDBTZnd5RTJvSjdHNUp0UXBNaG1JTzBJeWZWUkZVVmQ5T3hlVTFUWTJmeXFBRFFnQTZzR3BOWUNQcG9lUmZzN0htV0NvMlNYcW9WVU1Kd253cDZVQWo1Wm96WDEtT2d4WVFJUWVxdjdRWTRWZw?oc=5) · Legacy obituary
- 2016-09-16 [Spears School staff has large turnout for the Stillwater United Way Day of Caring - news.okstate.edu](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQTDY4eGhSNXcza2R2Y1ZGd1JIR1Jtb1Y5ZXdJQlA4bmxPcG9PQUNiOEJ4d05xd1hMNU82ZzhpNHZ2MUhPMVE5M2I3VTlubkd6d18zekhnZm44dndhRUwtQjRZTndqaHl0X2RDN3dJUlBxMXpKQUNnYkprTU9DaV9nMXFfbU95VnR1QUc1MVFOeWxaYUpTQWhxamdDM1FJcWJaR1RfOTAwUnVnaFI5U01QMVRjQm9YRDNOX0J4N3BodlN5SkFuMFFIMw?oc=5) · news.okstate.edu
- 2021-06-29 [Harley Dean Holman Obituary Jun 29, 2021 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMia0FVX3lxTFB0ZHpBeFE4dk9lNG5VT2d2NFJUNVZ6M2VMbjByT3k5YVc2ekJ1SHlrQWZEdWh2UlRFQy1PY3JybTQwbjdCMVZwV2FPX1FkY1RNRllsLXU4QlM3bW1QckljbDBTRDVSZE5qbVp3?oc=5) · Parks Brothers Funeral Service
- 2025-07-01 [Area 4th of July Celebrations - 1600 KUSH](https://news.google.com/rss/articles/CBMibEFVX3lxTE9sWEp6R1dZSFFWODJiWVFmel93WDlHMDdwcVBqb0hyMVhrNkFJLUlzNnZMVTVCZW0yUWQ1VlFua3BHNWgtSjdiR0xrQ2hpTk1fQ3Q1RGROQy00Q3lwcjhUV294SmZENXI3Ym0ybw?oc=5) · 1600 KUSH
- 2009-03-31 [Ag banquet awards family and agribusiness of the year - Stillwater News Press](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNX25nWkF2TURVZTlTMV9KMFp2aDQ2a3dVeVdqS05XQUh4Q1kwTzRDRS1qdTcwQ0g3Mk1xQ1pLd0NyS2M0eV9SenU1bFoyaUxWOWJzbnZrR3YxQ3NLTGN1VjV4WVA5T2wxNXo2bVdHWlZjZ0d4UXdNLUFfbWNrcVdMN1NNUzZvNWdGUHhMSEVkaHItRGo5XzNDZi1qWHZkYUZTZTZpWVF4eFpGVGljTHBTUjFzVjRWelBBY2xtVFhYUHdOTEdoaDFKdF9iVk8tY2c2NWxv?oc=5) · Stillwater News Press
- 2024-08-26 [Forged checks passed to Perkins businesses - 1600 KUSH](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Id0lyX3NqWXBFSE84V0lrRE9fNnJ4c0dDczVUTjE1Skp3clJQZGdtQUdGMGl2QUoxZ0Y5QUczMDBzNjNRaE9RcDQ2RGQyQWJ3SlZqOGFGcWExdHgtUi1SbV9LOHBJZkZEU0hhbFM1SFdVa0Vkd1B4RWsydF82dw?oc=5) · 1600 KUSH
- 2025-11-25 [ALLEN SOUTHARD Obituary (2025) - Shawnee, OK - The Shawnee News-Star - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQOXNMVUhmWE9tZFU2U215OGRzMWhZR25ScGJNTFQzNWo5b25kX0MtU2hIaTBQeFRaQ1MyNmhPZ1BJRWhYdlN3WHlxNlphTGdTOVhTcjZtT2prUl9FSlJ5VG1rcHZ4MHNlaE9TWlpNM3VDRGwwQmhzV1o0NEttWXZCN3dOYTdvRm04ak8tcEczOTc?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12485 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "12485", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide