Panhandle First Bank is a state-chartered bank headquartered in Guymon, Oklahoma, in business for about 50 years. At the end of Q2 2026 it reported $568.7M in total assets and $463.0M in deposits, with 4 offices across 2 states.
Panhandle First Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 134th. Capital cushion contributes the most (80/100, 13.03%); loan quality contributes the least (22/100, 2.34%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (67 → 56), mostly because the earnings component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 71 |
| Q4 2024 | 68 |
| Q1 2025 | 72 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 75 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.47% |
| Q3 2024 | 13.26% |
| Q4 2024 | 13.03% |
| Q1 2025 | 13.36% |
| Q2 2025 | 13.39% |
| Q3 2025 | 13.54% |
| Q4 2025 | 13.33% |
| Q1 2026 | 13.46% |
| Q2 2026 | 13.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.40% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.58% |
| Q2 2025 | 2.16% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.70% |
| Q2 2026 | 2.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.92% |
| Q2 2026 | 0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $568.7M | 13.03% | 2.34% | 0.42% | 75.6% |
| Q1 2026 | 75 | $573.2M | 13.46% | 1.70% | 1.92% | 76.5% |
| Q4 2025 | 70 | $569.3M | 13.33% | 1.89% | 1.59% | 79.3% |
| Q3 2025 | 70 | $549.1M | 13.54% | 1.86% | 1.51% | 83.8% |
| Q2 2025 | 67 | $541.0M | 13.39% | 2.16% | 1.53% | 83.9% |
| Q1 2025 | 72 | $534.6M | 13.36% | 1.58% | 1.60% | 85.3% |
| Q4 2024 | 68 | $531.4M | 13.03% | 1.59% | 1.26% | 86.5% |
| Q3 2024 | 71 | $533.2M | 13.26% | 1.45% | 1.20% | 82.5% |
| Q2 2024 | 56 | $513.3M | 12.47% | 2.40% | 0.86% | 83.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Pryority BankBank Pryor, OK | 58 out of 100, Moderate | $558.1M | 10.5% | 1.69% | vs |
| Chickasaw Community BankBank Oklahoma City, OK | 47 out of 100, Below average | $557.1M | 11.0% | 2.78% | vs |
| First National Bank & Trust Company of McAlesterBank Mcalester, OK | 71 out of 100, Strong | $580.4M | 10.9% | 1.34% | vs |
| Cattlemens BankBank Altus, OK | 68 out of 100, Moderate | $595.2M | 10.3% | 0.29% | vs |
| Vast Bank, National AssociationBank Tulsa, OK | 84 out of 100, Strong | $540.4M | 14.1% | 0.01% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
Deposit insurance
Is my money safe at Panhandle First Bank?
Yes. Panhandle First Bank is an FDIC-insured institution (FDIC certificate #22340). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($108.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.75% (benchmark: 10%).
4 locations
Branches
Panhandle First Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Dumas, TX (1)
- Guymon, OK (1)
- Perryton, TX (1)
- Spearman, TX (1)
Identity & history
Profile
- Legal name
- Panhandle First Bank
- Former names
- Bank of the Panhandle
- Type
- State-chartered bank
- FDIC certificate #
- 22340
- RSSD ID
- 192857
- Primary regulator
- FDIC
- Holding company
- Panhandle Bancshares Inc
- Established
- October 12, 1976
- Headquarters
- 1223 N Main St, Guymon, OK 73942
- Website
- www.mypfb.bank
- Employees
- 86
Quick answers
Panhandle First Bank: common questions
Is Panhandle First Bank FDIC insured?
Yes. Panhandle First Bank is an FDIC-insured institution (FDIC certificate #22340). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Panhandle First Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Panhandle First Bank ever failed?
There is no failure record for FDIC certificate #22340 in the FDIC failed bank list.
How many branches does Panhandle First Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Guymon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Anchor D BankBank Texhoma, OK | 80 out of 100, Strong | $404.5M | 10.5% | 0.00% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| The First National Bank of HookerBank Hooker, OK | 65 out of 100, Moderate | $91.2M | 16.3% | 2.96% | vs |