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Panhandle First Bank
Guymon, OK · FDIC Certificate #22340 · Chartered 10/1
Total assets
$568.69M
Total deposits
$462.98M
Total equity
$79.03M
Net loans
$350.14M
Branches (offices)
4
Net income (YTD)
$1.21M
Rank: #1,622 of 4,213 U.S. banks by assets · #48 of 168 in Oklahoma. Assets changed 5.1% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 3.00% |
| Net interest margin (YTD) | 4.92% |
| Equity to assets | 13.90% |
| Tier 1 leverage ratio | 13.03% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 2.34% |
| Net charge-offs (share of loans) | 2.97% |
| Loans to deposits | 75.6% |
| Real estate loans (share of loans) | 58.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $202.97M | 58.0% | |
| Commercial & industrial | $55.78M | 15.9% | |
| Consumer / individual | $10.23M | 2.9% | |
| Construction & development | $35.41M | 10.1% | |
| Agricultural | $85.25M | 24.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $235.02M | $202.16M | $1.77M | $17.99M |
| Jun 2023 | $226.59M | $188.87M | $2.39M | $21.41M |
| Jun 2024 | $513.31M | $418.53M | $2.17M | $73.25M |
| Jun 2025 | $541.02M | $435.71M | $4.10M | $75.40M |
| Jun 2026 | $568.69M | $462.98M | $1.21M | $79.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $250.11M | 3 |
| Oklahoma | $212.87M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $462.98M.
Similar-sized banks
Table Rock Community Bank ($568.92M) · International Bank Of Commerce ($567.78M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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