Panhandle First Bank
Guymon, OK
IDRSSD: 192857
Total Assets
$569.28M
Latest filing
Total Deposits
$458.93M
Latest filing
Net Interest Margin
4.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103102164GUYMON, OK
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 87 |
| 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 | 01/30/2026 |
| CERT | 22340 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $569.28M |
| Total Deposits | $458.93M |
| Total Liabilities | $488.70M |
| Total Equity Capital | $80.58M |
| Net Income | $2.54M |
| Net Loans and Leases | $363.76M |
| Assets Per Employee ($Millions) | $6.62M |
| Bank Premises and Fixed Assets | $4.81M |
| Cash and Balances due from Depository Institutions | $54.90M |
| Deposits Held in Domestic Offices | $458.93M |
Key Performance Ratios
| Return on Assets (ROA) | 1.82% |
| Return on Equity (ROE) | 12.71% |
| Net Interest Margin | 4.83% |
| Efficiency Ratio | 51.3% |
| Tier 1 Risk-Based Capital Ratio | 16.745% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.155% |
| Earning Assets to total Assets | 93.27% |
Income and Expense
| Total Interest Income | $9.04M |
| Total Noninterest Income | $599.00k |
| Total Interest Expense | $2.73M |
| Total Noninterest Expense | $4.10M |
| Net Interest Income | $6.31M |
| Pre-tax Net Operating Income | $2.54M |
| Provision for Credit Losses | $270.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.00M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $24.69M |
| All Other Liabilities | $5.08M |
| Total Liabilities and Capital | $569.28M |
Securities
| Securities | $121.71M |
| Available-for-sale debt securities | $120.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$569.28M as of the latest filing.
How much are Panhandle First Bank's total deposits?
$458.93M in total deposits.
Where is Panhandle First Bank located?
Guymon, OK.
What is the Net Interest Margin?
4.83%.
How many domestic offices does it operate?
4.
When was it established?
10/12/1976.
What is the Return on Assets (ROA)?
1.82%.
How much are total loans and leases?
$363.76M (latest filing).
What is the total interest income (latest filing)?
$9.04M.