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Lender record

The Payne County Bank

The real lending record — every figure from funded deals. HQ: 202 S Main St, Perkins, OK. 3 branches.

1

Recent deals (FY20+)

$415K

Typical deal

—

Approval → funding

Where The Payne County Bank lends

Deal profile

Most The Payne County Bank deals land between $415K and $415K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

1.Veterinary Services (1)

Most active states

1.Oklahoma (1 deals)

Can The Payne County Bank fund you? The bank behind the loans

Total assets

$304.0M

▲ 3% vs prior quarter

Deposits on hand

$252.6M

▲ 4.9% vs prior quarter

Loans outstanding

$224.6M

▲ 2.4% vs prior quarter

Net income (latest qtr)

$1.7M

•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes The Payne County Bank more SBA-focused than 51% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 2.32% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

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Walk into a The Payne County Bank branch (3)

The Payne County BankMain office202 S Main StPerkins, OK 74059 · since 1898

Chandler Branch920 E 1st StChandler, OK 74834 · since 2020

Cushing Branch1002 E Main StCushing, OK 74023 · since 2025

Branch data: FDIC BankFind.

Recent deals

Hartfield Lake Area Veterinary Clinic, LLC in Cleveland, OK — $415K (2026) · Veterinary Services
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$208K (50%)
Approval → funding
27 days
Approved
1/8/2026
First disbursed
2/4/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Veterinary Services
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Businesses The Payne County Bank financed

1 business on record. Each links to its full SBA record.

Hartfield Lake Area Veterinary Clinic, LLCCleveland, OK · 1 loan$415K

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DealRoom analysis of public lending records, FY2020–present. Not affiliated with The Payne County Bank.

AI summary

The Payne County Bank is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.