The Payne County Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $304M | $253M | $225M | $38M | $2M | 2.32% | 18.69% | 4.31% | 0.89% |
| Q4 2025 | $295M | $241M | $219M | $36M | $1M | 1.85% | 15.17% | 4.27% | 0.82% |
| Q3 2025 | $289M | $234M | $215M | $35M | $1M | 2.01% | 16.55% | 4.21% | 0.54% |
| Q2 2025 | $285M | $235M | $200M | $35M | $1M | 1.98% | 16.35% | 4.16% | 0.85% |
| Q1 2025 | $275M | $228M | $195M | $34M | $1M | 1.93% | 16.11% | 4.04% | 0.73% |
| Q4 2024 | $267M | $221M | $191M | $31M | $854K | 1.74% | 14.32% | 3.88% | 0.58% |
| Q3 2024 | $254M | $206M | $182M | $32M | $1M | 1.90% | 15.47% | 3.85% | 0.43% |
| Q2 2024 | $252M | $204M | $178M | $32M | $1M | 1.86% | 15.32% | 3.81% | 0.59% |
| Q1 2024 | $253M | $201M | $177M | $30M | $1M | 1.92% | 16.10% | 3.76% | 0.83% |
| Q4 2023 | $246M | $193M | $175M | $29M | $218K | 1.73% | 14.52% | 3.94% | 0.54% |
| Q3 2023 | $235M | $188M | $169M | $27M | $1M | 2.21% | 18.53% | 4.04% | 0.66% |
| Q2 2023 | $238M | $189M | $165M | $29M | $1M | 2.16% | 17.77% | 4.00% | 0.39% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.