Bank routing number ยท Guymon, Oklahoma
Panhandle First Bank Routing Number (ABA): 103102164
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The Panhandle First Bank routing number is 103102164. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Panhandle First Bank at a glance
Its CET1 capital ratio was 17.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $568.7M
- CET1 ratio, Q2 2026
- 17.49%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 4 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1976
Full financial profile · Is Panhandle First Bank safe? · Panhandle First Bank call report · Branch locations
Panhandle First Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 103102164 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Panhandle First Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0216, identify the institution within that district. The last digit, 4, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Panhandle First Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Panhandle First Bank checks or in its online banking. Ask the bank for wire instructions (www.mypfb.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Panhandle First Bank
Panhandle First Bank is headquartered in Guymon, Oklahoma and was established in 1976. It is in the GUYMON, OK metro area. It reported $568.7M in total assets and $463.0M in deposits for Q2 2026, the 48th largest of the 169 banks headquartered in Oklahoma. It reports 4 domestic offices. Its deposits have been FDIC insured since 1976. Its primary federal regulator is the FDIC.
What the digits in 103102164 mean
The first four digits, 1031, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0216, identify the institution within its Federal Reserve district. The last digit, 4, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 3 + 7 x 6 + 9 = 60, a multiple of 10, so 103102164 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Panhandle First Bank routing number?
The Panhandle First Bank routing number is 103102164. It is the primary ABA routing transit number registered to Panhandle First Bank, headquartered in Guymon, OK. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Panhandle First Bank wire routing number?
This page lists the primary routing number registered to Panhandle First Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Panhandle First Bank before sending a wire.
Is ABA number 103102164 the routing number for Panhandle First Bank?
Yes. It is the primary routing number registered to Panhandle First Bank.
Which bank uses routing number 103102164?
It belongs to Panhandle First Bank, headquartered in Guymon, OK. It is the bank's primary ABA routing number (FDIC certificate 22340).
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View Panhandle First Bank's full profile →
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Regulator records: FDIC BankFind (cert 22340) · FFIEC NIC profile (RSSD 192857)