BlastPoint's Banking Scorecard
Panhandle First Bank
Community
Specialty: Agricultural
OK
FDIC cert 22340
Guymon, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Panhandle First Bank shows strong momentum with 1 strength and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.09% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$569.3M
+7.1% YoY
+3.7% QoQ
|
-$822.2M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$363.8M
-2.7% YoY
-2.1% QoQ
|
-$611.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$458.9M
+6.2% YoY
+3.5% QoQ
|
-$705.7M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.59%
+26.4% YoY
+4.9% QoQ
|
+0.43% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.75%
+12.2% YoY
+0.4% QoQ
|
+1.09% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
53.71%
-1.4% YoY
-1.6% QoQ
|
-8.92% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.92%
+19.4% YoY
+1.7% QoQ
|
+1.29% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
79.26%
-8.3% YoY
-5.4% QoQ
|
-3.80% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
17.59%
-11.7% YoY
-4.3% QoQ
|
-3.46% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.40%
+6.3% YoY
-3.9% QoQ
|
+0.90% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
16.74%
+9.4% YoY
+2.6% QoQ
|
+6.50% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.43%
+12.7% YoY
+28.2% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.75%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.66%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.74% · Tier avg: 10.24%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
75
75th pctile
Efficiency Ratio
Current: 53.71% · Tier avg: 62.63%
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
36
36th pctile
Loan-to-Deposit Ratio
Current: 79.26% · Tier avg: 83.06%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.63%
10
10th pctile
Total Assets
Current: $569.3M · Tier avg: $1.4B
10
10th pctile
Total Loans
Current: $363.8M · Tier avg: $975.5M
7
7th pctile
Total Deposits
Current: $458.9M · Tier avg: $1.2B
Top Weaknesses
7
7th pctile
Total Deposits
Current: $458.9M · Tier avg: $1.2B
10
10th pctile
Total Loans
Current: $363.8M · Tier avg: $975.5M
10
10th pctile
Total Assets
Current: $569.3M · Tier avg: $1.4B
11
11th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.50%
36
36th pctile
Loan-to-Deposit Ratio
Current: 79.26% · Tier avg: 83.06%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
75
75th pctile
Efficiency Ratio
Current: 53.71% · Tier avg: 62.63%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.74% · Tier avg: 10.24%
92
92th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.66%