Side-by-side · Q2 2026 data
Panhandle First Bank vs Interstate Bank
Metric by metric
| Measure | Panhandle First Bank | Interstate Bank |
|---|---|---|
| TellerScore | 56 (stronger) | 40 |
| Capital cushion | 80 (stronger) | 44 |
| Loan quality | 22 (stronger) | 0 |
| Earnings | 37 | 71 (stronger) |
| Funding & liquidity | 75 (stronger) | 50 |
| Problem-loan coverage | 76 (stronger) | 55 |
| Peer percentile | 13th | 2nd |
| Total assets | $568.7M | $288.4M |
| Deposits / shares | $463.0M | $269.1M |
| Capital ratio | 13.03% (stronger) | 9.36% |
| Problem loans | 2.34% (stronger) | 3.47% |
| Net charge-offs | 2.97% | -2.51% (stronger) |
| Return on assets | 0.42% | 1.28% (stronger) |
| Loans ÷ deposits | 75.6% | 51.9% (stronger) |
| Uninsured deposits | 23.4% (stronger) | 68.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Panhandle First Bank has the higher TellerScore (56 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Panhandle First Bank leads on 4 and Interstate Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Perryton, TX