Side-by-side · Q2 2026 data
Panhandle First Bank vs Vast Bank, National Association
Metric by metric
| Measure | Panhandle First Bank | Vast Bank, National Association |
|---|---|---|
| TellerScore | 56 | 84 (stronger) |
| Capital cushion | 80 | 91 (stronger) |
| Loan quality | 22 | 100 (stronger) |
| Earnings | 37 | 49 (stronger) |
| Funding & liquidity | 75 | 78 (stronger) |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 13th | 86th |
| Total assets | $568.7M | $540.4M |
| Deposits / shares | $463.0M | $452.1M |
| Capital ratio | 13.03% | 14.12% (stronger) |
| Problem loans | 2.34% | 0.01% (stronger) |
| Net charge-offs | 2.97% | 0.09% (stronger) |
| Return on assets | 0.42% | 0.74% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 78.2% |
| Uninsured deposits | 23.4% | 18.9% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Vast Bank, National Association has the higher TellerScore (84 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Panhandle First Bank leads on 1 and Vast Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.