Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
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 715st largest bank in the nation. It was established in 1981 and as of December of 2013, it had grown to 271 employees at 22 locations. Panhandle State Bank has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Panhandle State Bank had $4.31 million in non-current loans and owned real-estate with $114.44 million in equity and loan loss allowances on hand to cover it. This gives Panhandle State Bank a Texas Ratio of 3.77% 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 dramatically from 7.30% as of December 31, 2012 to 3.77% as of December 31, 2013, resulting in a positive change of 48.43%.This indicates that the balance sheet and financial strength for Panhandle State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Panhandle State Bank has decreased its total deposits by -$44.2 million, resulting in -5.78% 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 below 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 $937.06 million in assets with $114.44 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

Institution Statistics

FDIC Certificate #23415
Year Established1981
Primary RegulatorFDIC
Assets and Liabilities
Assets$937.07 million
Loans$515.58 million
Deposits$720.95 million
Equity Capital$106.75 million
Loan Loss Allowance$7.69 million
Unbacked Noncurrent Loans$626,000
Real Estate Owned$3.68 million
Historic Data - December 2012
Assets$971.49 million
Equity Capital$121.29 million
Loan Loss Allowance$7.94 million
Unbacked Noncurrent Loans$626,000
Real Estate Owned$4.95 million
Profit Margin - Quarterly
Net Interest Margin3.71%
Return on Assets1.12%
Return on Equity8.78%
Interest Income$33.61 million

Sorry, we do not have rate data for Panhandle State Bank


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