Panhandle First Bank
Guymon, OK
IDRSSD: 192857
Total Assets
$549.14M
Latest filing
Total Deposits
$443.26M
Latest filing
Net Interest Margin
4.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Panhandle First Bank
1223 N Main St
Guymon, OK 73942
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/12/1976FDIC Certificate 15549
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Panhandle First Bank (Main) | 1223 N Main St | Guymon, OK |
| FIRST NATIONAL BRANCH | 729 W 7th Ave | Spearman, TX |
| DUMAS BANKING CENTER BRANCH | 1201 E 1st St | Dumas, TX |
| PERRYTON BANKING CENTER BRANCH | 2729 S Main St | Perryton, TX |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Cattlemens Bank
Altus, Oklahoma
→
Assets: $543.27MΔ +0.4%
AVB Bank
Broken Arrow, Oklahoma
→
Assets: $531.23MΔ -1.8%
Alva State Bank & Trust Company
Alva, Oklahoma
→
Assets: $551.36MΔ +1.9%
Prism Bank
Guthrie, Oklahoma
→
Assets: $518.56MΔ -4.2%
First National Bank & Trust Company of McAlester
Mcalester, Oklahoma
→
Assets: $566.76MΔ +4.8%
Vast Bank, National Association
Tulsa, Oklahoma
→
Assets: $582.14MΔ +7.6%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/12/1976 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73942 |
| State and County Number | 40139 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Guymon, OK |
Operational Info
| Number of Employees | 88 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 05/01/2024 |
| Date of Deposit Insurance | 10/12/1976 |
| Primary Insurance Agency | DIF |
| Website | www.mypfb.bank |
| Data Updated | 11/14/2025 |
| CERT | 22340 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $549.14M |
| Total Deposits | $443.26M |
| Total Liabilities | $469.90M |
| Total Equity Capital | $79.25M |
| Net Income | $2.02M |
| Net Loans and Leases | $371.46M |
| Assets Per Employee ($Millions) | $6.31M |
| Bank Premises and Fixed Assets | $4.56M |
| Cash and Balances due from Depository Institutions | $35.46M |
| Deposits Held in Domestic Offices | $443.26M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 10.45% |
| Net Interest Margin | 4.79% |
| Efficiency Ratio | 54.04% |
| Tier 1 Risk-Based Capital Ratio | 16.315% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.431% |
| Earning Assets to total Assets | 93.58% |
Income and Expense
| Total Interest Income | $8.84M |
| Total Noninterest Income | $633.00k |
| Total Interest Expense | $2.76M |
| Total Noninterest Expense | $4.19M |
| Net Interest Income | $6.07M |
| Pre-tax Net Operating Income | $2.24M |
| Provision for Credit Losses | $270.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.00M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $22.82M |
| All Other Liabilities | $3.81M |
| Total Liabilities and Capital | $549.14M |
Securities
| Securities | $113.02M |
| Available-for-sale debt securities | $111.95M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Panhandle First Bank?
$549.14M as of the latest filing.
How much are Panhandle First Bank's total deposits?
$443.26M in total deposits.
Where is Panhandle First Bank located?
Guymon, OK.
What is the Net Interest Margin?
4.79%.
How many domestic offices does it operate?
4.
When was it established?
10/12/1976.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$371.46M (latest filing).
What is the total interest income (latest filing)?
$8.84M.