Bank · FDIC insured
Panhandle First Bank
A $568.7M bank headquartered in Guymon, OK, with 4 branches in 2 states. Best rates: CDs 3.82% and savings 1.11% APY.
Panhandle First Bank Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#1 of 3 in Dumas, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Panhandle First Bank
Panhandle First Bank was created on May 1st, 2024, through the combination of First National Bank in Spearman and Bank of the Panhandle in Guymon as a locally owned community bank.
Predecessor Bank of the Panhandle opened in Guymon, Oklahoma, in October 1976, while First National Bank opened in Spearman, Texas, in April 1985.
The bank serves communities across Dumas, Guymon, Perryton, and Spearman.
- Headquarters
- 1223 N Main St, Guymon, OK 73942
- FDIC certificate
- 22340 ↗
Branches
4 branches in 2 states
Loading map…
Texas
3 branches
Dumas area · 1
- Dumas Banking Center Branch1201 E 1st St, Dumas, TX 79029Directions
Perryton area · 1
- Perryton Banking Center Branch2729 S Main St, Perryton, TX 79070Directions
Spearman area · 1
- First National Branch729 W 7th Ave, Spearman, TX 79081Directions
Oklahoma
1 branch
- Panhandle First BankMain office1223 N Main St, Guymon, OK 73942Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.03% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.34% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio13.03%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.34%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Panhandle First Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.