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Panhandle First Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 22340

Guymon, OK

4 branches across TX · OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +6.3% year over year ($463.0M on the books).
  • Delinquency rate 2.38%.
  • Return on assets 0.42%.
  • Efficiency ratio 48.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Panhandle First Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.93% above tier average
  • + Efficiency Ratio 15.79% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 71.6% in tier
  • - Delinquency Rate 1.46% above tier average
  • - Nonperforming Asset Ratio 1.13% above tier average
  • - ROA 0.90% below tier average
Get updates when Panhandle First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $568.7M
+5.1% YoY -0.8% QoQ
+$182.1M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $350.1M
-4.2% YoY -1.4% QoQ
+$91.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $463.0M
+6.3% YoY -0.3% QoQ
+$136.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 0.42%
-72.4% YoY -77.9% QoQ
-0.90% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Bottom 10.3% in tier
Net Interest Margin ? 4.92%
+4.5% YoY +2.3% QoQ
+0.93% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 9.3% in tier
Efficiency Ratio ? 48.68%
-11.2% YoY -3.1% QoQ
-15.79% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 14.3% in tier
Delinquency Rate ? 2.38%
+8.6% YoY +37.6% QoQ
+1.46% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 9.6% in tier
Loan-to-Deposit Ratio ? 75.63%
-9.9% YoY -1.1% QoQ
-2.32% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 15.87%
-14.2% YoY -4.7% QoQ
-6.16% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 1.80%
+8.4% YoY +27.4% QoQ
+1.13% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 9.1% in tier
Tier 1 Capital Ratio ? 17.49%
+7.6% YoY +1.1% QoQ
+1.59% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.23%
+3.5% YoY +115.4% QoQ
-0.34% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 15.9%
-2.6pp YoY
-0.8pp QoQ
 -6.3pp 22.1% 23.9% 22.2% 27%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 15.9%
+0.1pp YoY
-2.1pp QoQ
 +4.4pp 11.6% 15.7% 12.5% 79%
CRE 38.5%
+0.8pp YoY
-0.5pp QoQ
 -1.1pp 39.5% 42.0% 41.4% 50%
1-4 Family 8.6%
-0.2pp YoY
+0.7pp QoQ
 -24.0pp 32.6% 24.0% 31.3% 9%
Consumer 2.9%
-0.3pp YoY
-0.1pp QoQ
 -1.2pp 4.1% 5.6% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 17.5%
+1.2pp YoY
+0.2pp QoQ
 -1.3pp 18.8% 17.0% 19.7% 67%
Leverage Ratio 13.0%
-0.4pp YoY
-0.4pp QoQ
 +0.9pp 12.2% 11.7% 12.6% 75%
Total Capital Ratio 18.7%
+1.2pp YoY
+0.2pp QoQ
 -1.2pp 19.9% 18.2% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 86
-2 (-2.3%) YoY
+1 (+1.2%) QoQ
 +27 58 150 482 81%
Assets per Employee ($) $6.6M
+7.6% YoY
-1.9% QoQ
 -$906K $7.5M $6.5M $8.8M 45%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.4pp YoY
+0.4pp QoQ
 0.0pp 0.3% 0.9% 0.4% 78%
Nonaccrual 2.0%
-0.2pp YoY
+0.3pp QoQ
 +1.1pp 0.9% 1.5% 1.0% 87%
Allowance Coverage 0.67x
-1.9% YoY
-31.2% QoQ
 -23.49x 24.15x 61.99x 20.23x 16%
Net Charge-off Rate (YTD) 3.0%
+2.9pp YoY
+2.9pp QoQ
 +2.8pp 0.1% 0.2% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 3.0%
-7.8pp YoY
-10.5pp QoQ
 -9.2pp 12.2% 11.9% 11.6% 8%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 70%
Net Income ($, YTD) $1.2M
-70.6% YoY
— QoQ
 -$1.3M $2.6M $8.7M $40.4M 33%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#117 of 162 • Bottom 71.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.87%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

246
Net Interest Margin
profitability
Value: 4.92%
Peer Median: 3.99%
#246 of 2643 Top 9.3% in $100M-$1B
380
Efficiency Ratio
profitability
Value: 48.68%
Peer Median: 64.48%
#380 of 2643 Top 14.3% in $100M-$1B
557
Tier 1 Capital Ratio
capital
Value: 17.49%
Peer Median: 15.91%
#557 of 2643 Top 21.0% in $100M-$1B
582
Total Assets
size
Value: $568.69M
Peer Median: $386.57M
#582 of 2643 Top 22.0% in $100M-$1B
627
Total Deposits
size
Value: $462.98M
Peer Median: $326.73M
#627 of 2643 Top 23.7% in $100M-$1B

Top Weaknesses (3 metrics)

2404
Nonperforming Asset Ratio
credit_quality
Value: 1.80%
Peer Median: 0.67%
#2404 of 2643 Bottom 9.1% in $100M-$1B
2382
Delinquency Rate
credit_quality
Value: 2.38%
Peer Median: 0.92%
#2382 of 2633 Bottom 9.6% in $100M-$1B
2372
Return on Assets
profitability
Value: 0.42%
Peer Median: 1.32%
#2372 of 2643 Bottom 10.3% in $100M-$1B
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