Panhandle First Bank
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Data as of · sourced from FFIEC call reports. How we update
Panhandle First Bank is an FDIC-insured commercial bank headquartered in Guymon, OK, established in 1976 (FDIC certificate 22340), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $568.7M, up 5.1% from Q2 2025, the 48th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 17.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22340
- Headquarters
- Guymon, OK
- Established
- 1976
- Total assets, Q2 2026
- $568.7M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 17.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103102164
- Holding company
- PANHANDLE BANCSHARES, INC.
- Asset rank in state
- 48th of 169 in Oklahoma
Panhandle First Bank spends more to run itself than most banks of its size. Based in Guymon, Oklahoma, it had $569 million in assets at June 30, 2026, up 5.1% from a year earlier. It loses about $1.07 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
It lost $1.5 million in the quarter. Over the same year, loans shrank 4.1% and deposits grew 6.3%. Credit is the area to watch: it carries problem assets equal to 13.9% of the capital and reserves that would absorb them, 5.2 times the median of 2.6% for banks its size.
As of June 30, 2026, Panhandle First Bank reported a CET1 capital ratio of 17.49%, a return on assets of -1.07%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 13.86%. The figures come from its call report filed with the FFIEC.
Panhandle First Bank ranks as the 48th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $568.7M, loans fell 1.5% and deposits fell 0.3%. Agricultural production loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.7%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Guymon office books 46% of its branch deposits. By the capital ratios in its Q2 2026 call report, Panhandle First Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 12, 1976
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $463.0M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $5.4M
- Average total assets
- $575.5M
- Average total loans
- $357.3M
- Average interest-bearing deposits
- $390.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 12, 1976
- FDIC Cert
- 22340
- Fed RSSD
- 192857
- SEC CIK
- 2023575 → filed by PANHANDLE BANCSHARES, INC.
- Website
- www.mypfb.bank →
- Parent Holding Company
- PANHANDLE BANCSHARES, INC. (RSSD 2623001)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Panhandle First Bank's total assets ran between $223.9M (Q4 2023) and $573.2M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$568.7M total assets against $541.0M; $489.7M total liabilities against $465.6M.
$350.1M net loans and leases against $365.6M; $463.0M total deposits against $435.7M.
$133.3M securities against $112.8M; $55.9M cash and balances due against $32.1M.
$9.4M total interest income against $8.6M; $2.7M total interest expense against $2.8M.
$6.7M net interest income against $5.8M.
$689K total noninterest income against $623K; $4.0M total noninterest expense against $4.2M.
$4.9M provision for credit losses against $270K.
-$1.5M net income against $2.0M.
-1.07% return on assets against 1.48%; 4.93% net interest margin against 4.68%.
17.49% CET1 capital ratio against 16.26%; 13.03% tier 1 leverage ratio against 13.39%.
Inside the full Panhandle First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePanhandle First Bank rankings
Its closest position to the top of a national ranking is 361 of 3,640, for Texas Ratio; its furthest is 3,573 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.07% (Q2 2026) to 1.93% (Q1 2026) and its net interest margin ran from 4.64% (Q1 2025) to 5.20% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.49% | -1.07% | 2.34% | 13.86% | 4.93% |
| Q1 2026 | 17.30% | 1.93% | 1.70% | 10.59% | 4.82% |
| Q4 2025 | 16.74% | 1.83% | 1.89% | 10.68% | 4.84% |
| Q3 2025 | 16.32% | 1.50% | 1.86% | 11.02% | 4.78% |
| Q2 2025 | 16.26% | 1.48% | 2.16% | 13.23% | 4.68% |
| Q1 2025 | 16.08% | 1.58% | 1.58% | 9.95% | 4.64% |
| Q4 2024 | 15.31% | 1.41% | 1.59% | 10.59% | 4.89% |
| Q3 2024 | 15.84% | 1.90% | 1.45% | 9.08% | 5.20% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Panhandle First Bank (main office) | Guymon , OK | 73942 | $212.9M |
| First National Branch | Spearman , TX | 79081 | $151.3M |
| Dumas Banking Center Branch | Dumas , TX | 79029 | $60.4M |
| Perryton Banking Center Branch | Perryton , TX | 79070 | $38.4M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2024 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 104 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Panhandle First Bank
What are Panhandle First Bank's total assets?
As of the Q2 2026 filing, Panhandle First Bank reported total assets of $568.7 million in its FFIEC call report.
Where is Panhandle First Bank headquartered?
It is headquartered in Guymon, OK, United States.
When was Panhandle First Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Panhandle First Bank FDIC-insured?
Yes. It 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.
What is Panhandle First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Panhandle First Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Panhandle First Bank's Texas Ratio?
Its Texas Ratio is 13.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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