BlastPoint's Banking Scorecard

Panhandle First Bank

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

Guymon, OK

4 branches across TX · OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

Panhandle First Bank has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 47.8% in tier
+ Net Interest Margin 0.88% above tier average
+ Efficiency Ratio 15.04% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.84% above tier average

Get updates when Panhandle First Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$573.2M +7.2% YoY +0.7% QoQ	+$187.1M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$355.3M -4.4% YoY -2.3% QoQ	+$99.6M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$464.4M +6.6% YoY +1.2% QoQ	+$136.5M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.92% +19.9% YoY +20.8% QoQ	+0.65%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 14.5% in tier
Net Interest Margin ?	4.81% +1.8% YoY +1.3% QoQ	+0.88%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 10.7% in tier
Efficiency Ratio ?	50.25% -5.7% YoY -6.4% QoQ	-15.04%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	1.73% +7.9% YoY -10.0% QoQ	+0.84%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	76.50% -10.4% YoY -3.5% QoQ	-0.14%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	16.66% -9.2% YoY -5.2% QoQ	-5.36%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	1.42% +8.9% YoY +1.0% QoQ	+0.78%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 12.7% in tier
Tier 1 Capital Ratio ?	17.30% +7.6% YoY +3.3% QoQ	+1.47%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.11% -0.3% YoY -75.2% QoQ	-0.17%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	55%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Profitability Leader

growth

#319 of 666 • Top 47.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.92%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

287

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.93%

#287 of 2664 Top 10.7% in $100M-$1B

388

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.27%

#388 of 2664 Top 14.5% in $100M-$1B

436

Efficiency Ratio

profitability

Value: 50.25%

Peer Median: 65.29%

#436 of 2664 Top 16.3% in $100M-$1B

577

Total Assets

size

Value: $573.21M

Peer Median: $386.08M

#577 of 2664 Top 21.6% in $100M-$1B

583

Tier 1 Capital Ratio

capital

Value: 17.30%

Peer Median: 15.83%

#583 of 2664 Top 21.8% in $100M-$1B

629

Total Deposits

size

Value: $464.42M

Peer Median: $327.97M

#629 of 2664 Top 23.6% in $100M-$1B

665

Total Loans

size

Value: $355.28M

Peer Median: $255.72M

#665 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (2 metrics)

2326

Nonperforming Asset Ratio

credit_quality

Value: 1.42%

Peer Median: 0.64%

#2326 of 2664 Bottom 12.7% in $100M-$1B

2250

Delinquency Rate

credit_quality

Value: 1.73%

Peer Median: 0.89%

#2250 of 2654 Bottom 15.3% in $100M-$1B