BlastPoint's Banking Scorecard
The Payne County Bank
Perkins, OK
3 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +9.2% year over year ($257.1M on the books).
- Delinquency rate 1.10%.
- Return on assets 2.35%.
- Efficiency ratio 44.47% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Payne County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19.2% in tier
- + Efficiency Ratio 20.01% below tier average
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$313.2M
+10.0% YoY
+3.0% QoQ
|
-$73.4M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$233.8M
+16.6% YoY
+4.1% QoQ
|
-$24.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$257.1M
+9.2% YoY
+1.8% QoQ
|
-$69.7M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
2.35%
+18.7% YoY
+1.6% QoQ
|
+1.03% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 6.4% in tier |
| Net Interest Margin ? |
4.38%
+5.3% YoY
+1.7% QoQ
|
+0.39% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
44.47%
-7.9% YoY
+0.8% QoQ
|
-20.01% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 8.1% in tier |
| Delinquency Rate ? |
1.10%
+28.9% YoY
+23.7% QoQ
|
+0.18% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
90.96%
+6.8% YoY
+2.3% QoQ
|
+13.01% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
23.78%
-2.1% YoY
-0.2% QoQ
|
+1.74% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.82%
+36.5% YoY
+25.0% QoQ
|
+0.16% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
14.39%
-0.4% YoY
+3.0% QoQ
|
-1.52% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.25%
-0.1% YoY
+92.9% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.8%
-0.5pp YoY -0.1pp QoQ |
+1.6pp | 22.1% | 23.9% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.6%
+0.5pp YoY +0.1pp QoQ |
-3.0pp | 11.6% | 15.7% | 12.5% | 44% |
| CRE |
20.4%
-0.9pp YoY -1.2pp QoQ |
-19.1pp | 39.5% | 42.0% | 41.4% | 19% |
| 1-4 Family |
41.8%
+0.9pp YoY +0.4pp QoQ |
+9.2pp | 32.6% | 24.0% | 31.3% | 73% |
| Consumer |
6.1%
-1.1pp YoY -0.4pp QoQ |
+2.0pp | 4.1% | 5.6% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
14.4%
-0.1pp YoY +0.4pp QoQ |
+2.2pp | 12.2% | 11.7% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+1 (+3.0%) YoY 0 QoQ |
-25 | 58 | 150 | 482 | 33% |
| Assets per Employee ($) |
$9.2M
+6.7% YoY +3.0% QoQ |
+$1.7M | $7.5M | $6.5M | $8.8M | 81% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.1pp YoY +0.1pp QoQ |
+0.4pp | 0.3% | 0.9% | 0.4% | 87% |
| Nonaccrual |
0.4%
+0.1pp YoY +0.2pp QoQ |
-0.5pp | 0.9% | 1.5% | 1.0% | 48% |
| Allowance Coverage |
0.72x
-19.4% YoY -15.5% QoQ |
-23.43x | 24.15x | 61.99x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.9%
+2.5pp YoY +0.2pp QoQ |
+6.7pp | 12.2% | 11.9% | 11.6% | 85% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY -0.1pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$3.6M
+31.0% YoY — QoQ |
+$1.0M | $2.6M | $8.7M | $40.4M | 76% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.