The Payne County Bank is a bank based in Perkins, Oklahoma, established in 1898, with $304 million in total assets across 3 branches. By Trust Grade it ranks 7th of 170 banks we track in Oklahoma. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 2.32% return on assets. No consumer complaints against The Payne County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Payne County Bank compares to Oklahoma peers
How we graded The Payne County Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.5% capital ratio)
- Strongly profitable (ROA 2.32%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Payne County Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 920 E 1st St, Chandler, OK 74834
- 1002 E Main St, Cushing, OK 74023
- 202 S Main St, Perkins, OK 74059
Are deposits at The Payne County Bank insured?
Yes. The Payne County Bank is an FDIC-insured bank (FDIC certificate #12485). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Payne County Bank: frequently asked questions
Is The Payne County Bank a good bank?
The Payne County Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 2.32%).
Is The Payne County Bank FDIC-insured?
Yes. The Payne County Bank is a FDIC-insured bank (FDIC certificate #12485). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Payne County Bank?
The Payne County Bank holds $304 million in total assets, ranking 7th of 170 banks we track in Oklahoma. It operates 3 branches.
Does The Payne County Bank have CFPB complaints?
No CFPB complaints against The Payne County Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
