# PANHANDLE FIRST BANK
GUYMON, OK · FDIC certificate 22340 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $568.7M | |
| Deposits | $463.0M | |
| Loans and leases | $355.7M | |
| Total equity | $79.0M | |
| Loans / deposits | 75.63% (p36 of band) | 82.04% |
| Liquid assets / assets | 33.26% (p72 of band) | |
| Uninsured deposits / deposits | 23.43% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.14% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.03% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -6.53% (p55 of band) | -8.10% |
| AOCI / equity | -1.87% (p9 of band) | |
| ROA (annualized) | 0.42% (p10 of band) | 1.28% |
| Net interest margin | 4.92% (p92 of band) | 3.91% |
| Efficiency ratio | 48.68% (p15 of band) | |
| Noncurrent loans | 2.34% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 1.89% (p99 of band) | |
| Reserve coverage of noncurrent | 66.64% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 44.80% (p51 of band) | |
| Auto loans | $5.9M (1.67% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $750,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | deposits shrinking |  |
| 2014-06 | 0 |  | deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-03 | 3 | charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2017-06 | 2 | deposits shrinking | charge-offs p90, reserve under noncurrent |
| 2017-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | wholesale funding >15%, charge-offs p90 | capital falling |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 0 |  | wholesale funding >15% |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity, uninsured deposits leaving |
| 2024-09 | 1 |  | noncurrent p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | noncurrent p90 |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | noncurrent p90, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-03 [Don Rice Obituary Jun 3, 2025 - Galbreaith Pickard Funeral Chapel](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1RaURYV2l1VlZXYkVFekxGa0VxYTRaSEwyLWpfaTZ1am5YZ21JNlhHY1hhNUZ0QlFENk9sUzJ3RVVPanMtQXBNek9zWFpDcDQwMWJJeWUwX3NhUjZqZHlWQW1BOA?oc=5) · Galbreaith Pickard Funeral Chapel
- 2025-07-03 [Steven M. "Buster" Davis - legacy.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZGZMY3BoNmlxUE9PdHpyaHZLeEh3cXZPaFdsaWhNYVBJcFF2YU1ZVHdxQmV2NzlMOE9DemM0SzdMWDVrN0NocldaNHlDZkROLUNnQ2doLWdzaTRpT204cU43Mk1aLWNjbUEtVk90emFLOEpxamFTZURsQWt1MXAzaDlPVWZHdGtZUU9TdE9XRkhFQ0FPdjIzSlJuelhJcVB1RHJIUTVETlRPVXd6MW5n?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22340 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "22340", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide