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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Guymon, OK · FDIC certificate #22340
PANHANDLE FIRST BANK is an FDIC-insured institution based in Guymon, OK (FDIC certificate #22340). In its Q3 2026 Call Report it reported total assets of $560M, total deposits of $457M and net loans of $367M. Its primary federal regulator is FDIC.
Plain-language readout
PANHANDLE FIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $573M in Q1 2026 and were lowest at $560M in Q3 2026.
Total deposits were highest at $464M in Q1 2026 and lowest at $457M in Q3 2026.
Over the whole period total assets fell 2.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $560M | $457M | $367M | 0.82% | 5.84% | 4.82% |
| Q2 2026 | $569M | $463M | $350M | 0.42% | 3.00% | 4.92% |
| Q1 2026 | $573M | $464M | $355M | 1.92% | 13.52% | 4.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $55.9M | $51.8M | +$4.0M | +7.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $133.3M | $137.4M | -$4.1M | -3.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $350.1M | $355.3M | -$5.1M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.7M | $4.8M | -$54K | -1.1% |
| Other real estate owned | $1.9M | $2.0M | -$46K | -2.3% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $10.6M | $11.1M | -$530K | -4.8% |
| All other assets | $12.2M | $10.9M | +$1.3M | +11.8% |
| Total assets | $568.7M | $573.2M | -$4.5M | -0.8% |
| Liabilities | ||||
| Total deposits | $463.0M | $464.4M | -$1.4M | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $23.5M | $24.0M | -$454K | -1.9% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.0M | +$124K | +4.1% |
| Total liabilities | $489.7M | $491.4M | -$1.8M | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $40.3M | $40.3M | $0K | 0.0% |
| Retained earnings | $42.9M | $44.7M | -$1.8M | -4.1% |
| Accumulated other comprehensive income | -$5.2M | -$4.2M | -$915K | -21.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $79.0M | $81.8M | -$2.8M | -3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.3M | $8.1M | +$2.1M | +26.4% |
| Adjusted nonperforming assets | $10.3M | $8.1M | +$2.1M | +26.4% |
| Tangible equity plus allowance | $74.0M | $76.6M | -$2.6M | -3.4% |
| Texas ratio (gross) | 13.86% | 10.59% | +3.27 pts | See points |
| Texas ratio (adjusted) | 13.86% | 10.59% | +3.27 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 13.86% | 10.59% | +3.27 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.49% | 17.30% | +0.19 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.49% | 17.30% | +0.19 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.75% | 18.55% | +0.19 pts | See points |
| Tier 1 leverage (approximate) | 13.03% | 13.46% | -0.43 pts | See points |
| Construction and land loans to total capital | 44.90% | 40.65% | +4.24 pts | See points |
| Commercial real estate to total capital | 130.20% | 129.80% | +0.40 pts | See points |
| Dividend payout, year to date | 105.46% | 35.51% | +69.96 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.01% | -5.66% | -1.35 pts | See points |
| Liquidity | ||||
| Core deposits | $370.1M | $373.5M | -$3.5M | -0.9% |
| Non-core funding | $116.4M | $114.9M | +$1.6M | +1.4% |
| Loans to core deposits | 96.11% | 96.71% | -0.59 pts | See points |
| Loans to deposits | 76.83% | 77.78% | -0.95 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 55.53% | 53.27% | +2.26 pts | See points |
| Loans pledged, share of loans | 2.67% | 2.75% | -0.08 pts | See points |
| Volatile liabilities | $116.4M | $114.9M | +$1.6M | +1.4% |
| Earnings | ||||
| Earnings before provision, year to date | $6.3M | $3.0M | +$3.4M | +113.9% |
| Earnings before provision, single quarter | $3.4M | $3.0M | +$411K | +13.9% |
| Provision for credit losses, year to date | $5.1M | $210K | +$4.9M | +2333.3% |
| Yield and cost | ||||
| Yield on loans and leases | 8.47% | 8.19% | +0.28 pts | See points |
| Yield on interest-bearing balances due from banks | 3.61% | 3.54% | +0.06 pts | See points |
| Total interest income to average assets | 6.50% | 6.41% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 1.34% | 1.39% | -0.05 pts | See points |
| Cost of savings and money market deposits | 1.66% | 1.65% | +0.01 pts | See points |
| Cost of time deposits | 3.70% | 3.79% | -0.09 pts | See points |
| Total interest expense to average assets | 1.85% | 1.88% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $560M | $457M | $367M | 0.82% | 5.84% | 4.82% |
| 2026-06-30 | $569M | $463M | $350M | 0.42% | 3.00% | 4.92% |
| 2026-03-31 | $573M | $464M | $355M | 1.92% | 13.52% | 4.81% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $232.4M | 0.02% | 282 | Continuing · +0.00 pp |
| OK | $203.3M | 0.14% | 107 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.