PANHANDLE FIRST BANK

GUYMON, OK | Medium | Est. Oct. 12, 1976, midnight | FDIC #22340 | RSSD #192857 | FDIC
Latest Report: 2025-12-31

PANHANDLE FIRST BANK is amn medium FDIC-insured commercial bank headquartered in GUYMON, OK, established in Oct. 12, 1976, midnight. As of 2025-12-31, the bank reported total assets of $569M and total deposits of $459M. Profitability stands at 1.82% ROA and 12.71% ROE, with a net interest margin of 4.91%. The bank's CET1 capital ratio is 16.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.89% and a Texas Ratio of 9.23%. FDIC Certificate #22340.

Assets

$569M

Deposits

$459M

Loans

$370M

Equity

$81M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 12.71%
Net Interest Margin (NIM) 4.91%
Yield on Assets 7.03%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 1.89%
Net Charge-Off Ratio 0.10%
Texas Ratio 9.23%
NPA Ratio 1.40%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 16.74%
Tier 1 Capital 16.74%
Total Capital Ratio 18.00%
Leverage Ratio 13.33%
Loan-to-Deposit 80.53%

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