# PANHANDLE STATE BANK
SANDPOINT, ID · FDIC certificate 23415 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $909.1M | |
| Deposits | $718.8M | |
| Loans and leases | $515.9M | |
| Total equity | $112.7M | |
| Loans / deposits | 70.75% (p32 of band) | 80.43% |
| Liquid assets / assets | 36.10% (p71 of band) | |
| Uninsured deposits / deposits | 14.24% (p32 of band) | 18.44% |
| Brokered deposits | 3.35% | |
| Wholesale funding | 11.26% (p73 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.92% (p67 of band) | 10.05% |
| Unrealized securities loss / equity | 3.68% (p85 of band) | 0.40% |
| AOCI / equity | 2.49% (p69 of band) | |
| ROA (annualized) | 0.71% (p34 of band) | 0.88% |
| Net interest margin | 3.68% (p54 of band) | 3.62% |
| Efficiency ratio | 79.06% (p77 of band) | |
| Noncurrent loans | 0.52% (p29 of band) | 0.96% |
| Net charge-offs (annualized) | 0.01% (p27 of band) | |
| Reserve coverage of noncurrent | 274.33% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 41.32% (p59 of band) | |
| Auto loans | $801,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.0% | |
| Employees | 256 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 | losing money | wholesale funding >15% |
| 2011-12 | 1 | wholesale funding >15% | losing money |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 2 | capital falling | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving | charge-offs p90, capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | deposits shrinking | uninsured deposits leaving |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |

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

- 2007-12-18 [Electrical problem caused fatal fire - The Spokesman-Review](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQY1ZDTE9VOElaSmNlY1JReDJYaUxzc0t3WDNqTzI1azBwc0t2T0p4c2VZVFIxTUNvQzMycWpreF83bFRIeUQ4QkxuNjU0LTVyc1M5UG9GMDRhRjc0Q0pQQmQxczh0clU0eHBHVnJFUmxINUF5ODh5REphTzJ5TTlDM0hEOU9ER1RwcUZn?oc=5) · The Spokesman-Review
- 2023-03-09 [Trina Lawrence Obituary (1964 - 2023) - Laclede, ID - Bonner County Daily Bee - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNRDNhUVB6YXZKWVFtUzNHOTJmb2ZmS245djJaQ1FOakdJWUw1ZkRQRWhydG01QW93ZkdpQ0FiSHpFMFk3dUszRUpmNThzWTVmVThZUy1iZVBodm1WMVZGVWg5OHNNd1NCMlQ5dkpZSDdiaUg5cTlONklQRkp6RHlNMHRpX3hxcTdXS3hhM29OVmtBcVhQV1pOTW83ZDZzUlE?oc=5) · legacy.com
- 2012-11-08 [Helping Ryan Win - NewsBF](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5XNkRQeUJSNE41eGZ3eGtFdGJvdzZYUUdXcXJqV2daRC1xUTlrbW04Q3B2U0ZkUU5lOUo2NHJrVlVhdTd1cW5DMC1NMjRwT2g5Ujc4MWZ3?oc=5) · NewsBF
- 2007-02-02 [Katherine Haynes, 80 - Bonners Ferry Herald](https://news.google.com/rss/articles/CBMie0FVX3lxTE5ZWUxUZkpnZEh3V1UwNnBxeXVTNHFzMEcxeEJneXhLWUJwYXpIdkJPZjBGUGNBSnVwbjVCdjFmeFNYZ005RjRKUFdNd09MR3FIb3JTNWljTnBFT3Bfa21vUXUyaXIxUEhMdVNKdUU3eDB5dkFiVGlXbHp0RQ?oc=5) · Bonners Ferry Herald
- 2009-04-26 [CdA dog park a step closer - The Spokesman-Review](https://news.google.com/rss/articles/CBMifkFVX3lxTE5teHRXWEg0WF9KYUxzbzZOazI3bTBlYTlXcXNUbGlyMktCZnFfV0JoMmp4MnhSUmg1ZkdpQWQxTU9sdDlNY3NvbDRSY2hzN2QzTjBZQzBvWkdNMGplWENTZDUxa0JmUDVaTm9Fa3RuVGMxQnh0QVI1Rk9WbTB6Zw?oc=5) · The Spokesman-Review
- 2024-02-01 [Don Johnson Obituary (2024) - Coeur D' Alene, ID - Coeur d'Alene / Post Falls Press - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQS2k3b0xhLVFYdEZKY3NBTU56a2VxOUpucldMQ2VaTVo0bTBySmtITUxQWG9keXhKRlNScVN5cWQ1cHZsb2hKZzhGVXJ5Vmc4TUl3aVRiQjVxeFdXT1Q2eV9Ja3A5NnRxOTcxcmRxRGVyN1RSUVpzWV9IZnQtQ2YzVmNIWHNkdG5wRk44?oc=5) · legacy.com
- 2024-01-05 [Richard Metz Obituary (2024) - Sandpoint, ID - Bonner County Daily Bee - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxONmhQd1ppSmI5emRBRzJGV2FJMDVocmVyQ2tvaG8xWlM1ZmprWVc3TUNhZDFOZHRHSlMxM3d2TkkwZ0twaElGZ0p5LW5qb09HcVVNSkFJSXdieXpEc05PSjB4UFMtbktSSk5wNHptZWM5U3J4YktqRkNWMTZaemlhYTdKb2pzQklLM3dWeU8xSGpRSzktWnFCQkVnSDY?oc=5) · legacy.com
- 2023-09-20 [Jack Parker Obituary (2023) - Sandpoint, ID - Bonner County Daily Bee - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOamR1RmVxV3NWLWhfbHF5Q2RFTTBiNXpEaUJOa29hZVJqZ05tcjR2bE1SbUlxNl9YUUlxZ21pWkl2X05KRTNfRnlDVUVBWVZhYmxxMVFfb3VZTHFWSDd4MlZLRmFJaXFFbFg2U04wME9vMXEyQ2ZNcTZwUExmdEFIX1NsYklzTFE5TDdjX3dnbV9LUUktX1dQNTgxcw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23415 (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/55.json (key "23415", 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