Side-by-side · Q2 2026 data
First State Bank vs Panhandle First Bank
Metric by metric
| Measure | First State Bank | Panhandle First Bank |
|---|---|---|
| TellerScore | 53 | 56 (stronger) |
| Capital cushion | 76 | 80 (stronger) |
| Loan quality | 0 | 22 (stronger) |
| Earnings | 89 (stronger) | 37 |
| Funding & liquidity | 53 | 75 (stronger) |
| Problem-loan coverage | 49 | 76 (stronger) |
| Peer percentile | 9th | 13th |
| Total assets | $184.0M | $568.7M |
| Deposits / shares | $154.0M | $463.0M |
| Capital ratio | 12.57% | 13.03% (stronger) |
| Problem loans | 4.44% | 2.34% (stronger) |
| Net charge-offs | 0.14% (stronger) | 2.97% |
| Return on assets | 1.74% (stronger) | 0.42% |
| Loans ÷ deposits | 94.4% | 75.6% (stronger) |
| Uninsured deposits | 26.1% | 23.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Panhandle First Bank has the higher TellerScore (56 vs 53). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 2 and Panhandle First Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Spearman, TX