BlastPoint's Banking Scorecard

The Payne County Bank

$100M-$1B Specialty: Other OK FDIC cert 12485

Perkins, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The Payne County Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 21.3% in tier
+ Efficiency Ratio 21.18% below tier average
+ Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 43.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$304.0M +10.5% YoY +3.0% QoQ	-$82.1M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$224.6M +15.3% YoY +2.4% QoQ	-$31.2M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$252.6M +11.0% YoY +4.9% QoQ	-$75.4M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	2.32% +19.7% YoY +25.5% QoQ	+1.05%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 6.8% in tier
Net Interest Margin ?	4.31% +6.7% YoY +1.0% QoQ	+0.38%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	44.11% -15.1% YoY -19.0% QoQ	-21.18%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 8.0% in tier
Delinquency Rate ?	0.89% +21.8% YoY +8.3% QoQ	+0.00%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	88.90% +3.8% YoY -2.3% QoQ	+12.26%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	23.83% -4.5% YoY +2.8% QoQ	+1.81%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.66% +27.0% YoY +7.7% QoQ	+0.02%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	13.97% -4.6% YoY +1.3% QoQ	-1.86%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.13% -2.0% YoY -73.2% QoQ	-0.15%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#143 of 666 • Top 21.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.32%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#563 of 1308 • Bottom 43.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.89%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

183

Return on Assets

profitability

Value: 2.32%

Peer Median: 1.27%

#183 of 2664 Top 6.8% in $100M-$1B

214

Efficiency Ratio

profitability

Value: 44.11%

Peer Median: 65.29%

#214 of 2664 Top 8.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available