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Overview / Commentary
414 Church Street
Sandpoint, ID 83864

Panhandle State Bank is headquartered in Sandpoint and is the 4th largest bank in the state of Idaho. It is also the 747th largest bank in the nation. It was established in 1981 and as of March of 2014, it had grown to 265 employees at 22 locations. Panhandle State Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Panhandle State Bank had $4.94 million in non-current loans and owned real-estate with $116.58 million in equity and loan loss allowances on hand to cover it. This gives Panhandle State Bank a Texas Ratio of 4.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Panhandle State Bank decreased slightly from 4.92% as of March 31, 2013 to 4.24% as of March 31, 2014, resulting in a positive change of 13.96%.This indicates that the balance sheet and financial strength for Panhandle State Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Panhandle State Bank has decreased its total deposits by -$10.2 million, resulting in -1.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Panhandle State Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Panhandle State Bank has $907.85 million in assets with $116.58 million in equity, resulting in a capitalization level of 12.84%, which is excellent.

Institution Statistics

FDIC Certificate #23415
Year Established1981
Primary RegulatorFDIC
Assets and Liabilities
Assets$907.85 million
Loans$507.67 million
Deposits$725.23 million
Equity Capital$108.80 million
Loan Loss Allowance$7.78 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$3.77 million
Historic Data - March 2013
Assets$933.86 million
Equity Capital$123.45 million
Loan Loss Allowance$7.68 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$4.66 million
Profit Margin - Quarterly
Net Interest Margin3.53%
Return on Assets0.69%
Return on Equity5.93%
Interest Income$7.78 million

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Panhandle State Bank has 21 locations. Click to view all Panhandle State Bank locations.