Panhandle First Bank (FDIC #22340): Bank Stress & Real-Estate Credit Exposure
Panhandle First Bank (FDIC Cert #22340): bank stress 68/100, elevated, STABLE over 7 days; parent PANHANDLE BANCSHARES INC.
Panhandle First Bank (#22340) lends in 4 counties across 2 states; Panhandle First Bank (#22340) reaches 23 ZIP codes: Texas 3 counties, 14 ZIPs; Oklahoma 1 county, 9 ZIPs.
Panhandle First Bank (#22340) largest markets: Texas County, OK (9 branches, 9 ZIPs) (#22340), Moore County, TX (7 branches, 7 ZIPs) (#22340), Ochiltree County, TX (5 branches, 5 ZIPs) (#22340), Hansford County, TX (3 branches, 3 ZIPs) (#22340).
Panhandle First Bank (#22340) reports $568.7 million in total assets; Panhandle First Bank (#22340) equity $79.0 million (13.9% of Panhandle First Bank (#22340) assets); Panhandle First Bank (#22340) domestic deposits $463.0 million; Panhandle First Bank (#22340) net income $1.2 million; Panhandle First Bank (#22340) return on assets 0.42%; Panhandle First Bank (#22340) return on equity 3.00%; Panhandle First Bank (#22340) net interest income $13.1 million; Panhandle First Bank (#22340) call report June 30, 2026.
Panhandle First Bank (#22340) noncurrent real-estate loans: none reported; Panhandle First Bank (#22340) residential -0.30%; Panhandle First Bank (#22340) net charge-offs on real estate 3.26%; Panhandle First Bank (#22340) residential charge-offs 2.91%.
Panhandle First Bank (#22340) net interest margin 4.92% against an eight-quarter Panhandle First Bank (#22340) average of 4.61% (Panhandle First Bank (#22340) compression -0.31 points); Panhandle First Bank (#22340) non-residential real estate 291.0% of equity; Panhandle First Bank (#22340) rate-exposure score 40/100, Panhandle First Bank (#22340) fixed-rate trap 40/100; Panhandle First Bank (#22340) risk type credit driven; Panhandle First Bank (#22340) rate regime rates elevated, Panhandle First Bank (#22340) snapshot October 20, 2026.
Panhandle First Bank (#22340) stress score moved from 35.8 on June 22, 2026 to 68.3 on October 20, 2026; Panhandle First Bank (#22340) ranged 35.8 to 68.3 over 117 snapshots.
Panhandle First Bank (#22340) alerts: 4 counties; top Panhandle First Bank (#22340) alert scores: Dumas County, OK 22 (low); Guymon County, OK 22 (low); Perryton County, OK 22 (low); Spearman County, OK 22 (low).