Panhandle First Bank
This quarter marks the 50-year anniversary of Panhandle First's 1976 charter. Panhandle First Bank is an FDIC-insured commercial bank. Panhandle First's Q1 2026 balance sheet shows $573M in assets funded primarily by $464M in customer deposits. Profitability is strong — 1.93% ROA, paired with 13.52% ROE and a 4.82% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 17.30% sits well above the 7% well-capitalized threshold. Credit conditions bear watching: 1.70% NPL ratio with a 10.59% Texas Ratio (elevated but below the 100% concern level). 4 branches make up the footprint.
Headquarters Profile
- Address
- 1223 N Main St, GUYMON, OK 73942
- County
- Texas
- Metro Area
- GUYMON, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- October 12, 1976
- Branches
- 4 domestic
- Employees (FTE)
- 85
- FDIC Cert
- 22340
- Fed RSSD
- 192857
- Website
- www.mypfb.bank →
- Parent Holding Company
- PANHANDLE BANCSHARES, INC. (RSSD 2623001)
Capital & Liquidity
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Panhandle First Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Panhandle First Bank
What are Panhandle First Bank's total assets?
As of the Q1 2026 filing, Panhandle First Bank reported total assets of $573.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Panhandle First Bank headquartered?
Panhandle First Bank is headquartered in GUYMON, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Panhandle First Bank founded?
Panhandle First Bank was established in 1976, per the FDIC institution directory.
Is Panhandle First Bank FDIC-insured?
Yes. Panhandle First Bank is an FDIC-insured commercial bank (FDIC Certificate #22340). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Panhandle First Bank?
Panhandle First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Panhandle First Bank's CET1 capital ratio?
Panhandle First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.30% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Panhandle First Bank operate?
Panhandle First Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Panhandle First Bank's Texas Ratio?
Panhandle First Bank's Texas Ratio is 10.59% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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