EMPLOYEE STK OWNERSHIP PLAN EMP PAYNE CNTY BK is the parent banking group. THE PAYNE COUNTY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Banking Group

EMPLOYEE STK OWNERSHIP PLAN EMP PAYNE CNTY BK

1 active bank · $304M combined assets

RSSD ID: 2168977 (FFIEC NIC)

Combined Assets

$304M

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE PAYNE COUNTY BANKPERKINS, OKSatisfactory$304MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$304M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$253M

Net Income

$2M

ROA (avg)

2.32%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

135

Origination Rate

80.74%

Denial Rate

11.85%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
THE PAYNE COUNTY BANK	PERKINS, OK	FDIC	$304M	Satisfactory	Nov 1998

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.