Panhandle State Bank


414 Church Street
Sandpoint, ID 83864
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Panhandle State Bank is an FDIC insured institution located in Sandpoint, ID. It was founded in 1981 and has approximately $0.91 billion in assets.

FDIC Insured Yes
FDIC Certificate # 23415
Date Established 1981
Assets $ 909.10 million
Loans $ 508.56 million
Deposits $ 718.80 million
Capital $ 112.72 million

For a more detailed analysis of Panhandle State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Panhandle State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Note to Panhandle State Bank
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Financial Details

Panhandle State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Panhandle State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Panhandle State Bank U.S. Bank Average
5.34% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Panhandle State Bank had $2,688,000 in non-current loans and $3,731,000 in owned real estate. To cover these potential losses it had $112,720,000 in equity and $7,374,000 in loans loss reserves. That gives it a Texas Ratio of 5.34%.

Return on Equity
Panhandle State Bank U.S. Bank Average
5.89% 7.80%

Panhandle State Bank has a Return on Equity of 5.89% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Panhandle State Bank U.S. Bank Average
12.4% 12.68%

Panhandle State Bank has a Capitalization of 12.4% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Panhandle State Bank Balance Sheet Analysis

As of September 30, 2014, Panhandle State Bank had assets of $909,097,000, loans of $508,560,000, and deposits of $718,804,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 508.56 million
Loan loss allowance $ 7.37 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.73 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 718.80 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 909.10 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Panhandle State Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Idaho, Panhandle State Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.17
Credit Card Loans 0.41
Consumer Auto Loans 0.16
Small Business Loans 12.96
Construction and Development Loans 9.16
Commercial Real Estate 33.52
Commercial and Industrial Loans 17.93
Farm Loans 14.61

Frequently Asked Questions About Panhandle State Bank

Branches and Savings

Is Panhandle State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23415.

Why does Panhandle State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Panhandle State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Panhandle State Bank a commercial bank?


Where are Panhandle State Bank locations?

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Is Panhandle State Bank open on Saturdays?

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Are Panhandle State Bank ATMs Open 24/7?

Do Panhandle State Bank ATMs accept cash deposits?

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Will Panhandle State Bank notarize my document?

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Will the Panhandle State Bank branch print checks?

Do Panhandle State Bank checks expire?

Does Panhandle State Bank require US citizenship to open account?

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Does Panhandle State Bank offer mortgages?

Compare mortgage rates here.

Does Panhandle State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Panhandle State Bank offer personal loans?

Compare personal loan rates here.

Does Panhandle State Bank offer student loans?

Will Panhandle State Bank cash a check?

Will Panhandle State Bank redeem a savings bond?

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Background on The Bank

Who owns Panhandle State Bank?

How long has Panhandle State Bank been around?

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Does Panhandle State Bank have quick pay?

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Will Panhandle State Bank accept loose change?

Where is Panhandle State Bank headquarters?

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