Bank Comparison
Panhandle First Bank vs Rayne State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 17.30% | 18.25% |
| Tier 1 Capital Ratio | 17.30% | 18.25% |
| Total Capital Ratio | 18.55% | 19.51% |
| Tier 1 Leverage Ratio | 13.46% | 11.31% |
| Equity / Assets | 14.27% | 9.04% |
Profitability
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 1.92% |
| Return on Equity (ROE) | 13.52% | 20.95% |
| Net Interest Margin (NIM) | 4.82% | 4.10% |
| Yield on Earning Assets | 6.80% | 5.55% |
| Cost of Funds | 2.20% | 1.54% |
Asset quality
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 10.59% | 2.58% |
| Non-Performing Loan Ratio | 1.70% | 0.44% |
| Non-Performing Asset Ratio | 1.41% | 0.26% |
| Net Charge-Off Ratio | 0.09% | 0.00% |
| ACL / Loans | 1.65% | 1.82% |
Balance sheet
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| Total Assets | $573,210K | $573,813K |
| Total Deposits | $464,423K | $516,856K |
| Total Loans | $361,222K | $343,161K |
| Total Equity | $81,783K | $51,853K |
| Net Income (quarter) | $2,743K | $2,692K |
Liquidity & funding
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 77.78% | 66.39% |
| Core Deposit Ratio | 80.43% | 92.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Panhandle First Bank | Rayne State Bank & Trust Company |
|---|---|---|
| Headquarters City | GUYMON | RAYNE |
| Headquarters State | OK | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 7 |
| Employees (FTE) | 85 | 68 |
| Established | Oct. 12, 1976, midnight | July 1, 1943, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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