Panhandle First Bank: how it compares with its peers
Against 64 OK banks with half to twice its assets, Panhandle First Bank's strongest measure in Q2 2026 is net interest margin (4.92% vs. a 4.16% peer median). Its weakest relative measure is return on assets (0.42% vs. 1.52%).
| Measure | Panhandle First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.42% | 1.52% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.92% | 4.16% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.68% | 61.11% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.8M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.63% | 79.25% | Context |
What it means for lending operations
Its efficiency ratio of 48.68% is better than the 61.11% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Pryority Bank Pryor, OK · $558M
- Chickasaw Community Bank Oklahoma City, OK · $557M
- First National Bank & Trust Company of McAlester Mcalester, OK · $580M
- Cattlemens Bank Altus, OK · $595M
- Vast Bank, National Association Tulsa, OK · $540M
- Wisdom Heritage Bank Alva, OK · $601M
Questions about Panhandle First Bank
How big is Panhandle First Bank?
Panhandle First Bank, established in 1976, is headquartered in Guymon, OK. It reported $569M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Panhandle First Bank's return on assets?
0.42% annualized in Q2 2026, against a 1.52% median for 64 OK banks with half to twice its assets, ahead of 6% of them.
What is Panhandle First Bank's efficiency ratio?
48.68% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 61.11%, and lower is better.
Is Panhandle First Bank growing its loans?
Net loans shrank 4.2% over the year to Q2 2026, while deposits grew 6.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.