Panhandle First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Panhandle First Bank of Guymon, OK against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.07% | 1.25% | -2.32% | 1st bottom |
| ROAE | -7.64% | 12.22% | -19.86% | 1st bottom |
| Net Interest Margin | 4.93% | 3.95% | +0.98% | 91st top |
| Efficiency Ratio | 46.57% | 63.71% | -17.14% | 87th top |
| PPNR / Avg Assets | 2.34% | — | — | 84th top |
| Yield on Earning Assets | 6.87% | 5.67% | +1.20% | 93rd top |
| Cost of Funds | 2.18% | 1.87% | +0.31% | 27th below |
| Net Interest Spread | 4.28% | — | — | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.34% | 0.88% | +1.46% | 10th bottom |
| NPA / Total Assets | 1.80% | — | — | 9th bottom |
| NCO / Avg Loans | 5.93% | 0.15% | +5.78% | 0th bottom |
| ACL / Total Loans | 1.56% | — | — | 82nd top |
| ACL / NPLs (Coverage) | 66.64% | — | — | 16th bottom |
| Texas Ratio | 13.86% | 5.96% | +7.90% | 11th bottom |
| Provision / NCO | 92.49% | — | — | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.49% | 17.18% | +0.31% | 66th above |
| Tier 1 Ratio | 17.49% | 17.21% | +0.28% | 66th above |
| Total Capital Ratio | 18.75% | — | — | 67th above |
| Leverage Ratio | 13.03% | 11.75% | +1.28% | 75th top |
| Equity / Assets | 13.90% | 10.98% | +2.92% | 84th top |
| TCE / Tangible Assets | 12.26% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.83% | 80.44% | -3.61% | 58th above |
| Core Deposit Ratio | 79.93% | 86.95% | -7.02% | 16th bottom |
| Wholesale Funding Ratio | 4.14% | — | — | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.11% | — | — | 55th above |
| Loan Growth (Y/Y) | -4.13% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | 6.26% | — | — | 65th above |
See Panhandle First Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Panhandle First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Panhandle First Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Panhandle First Bank peer analysis.