The First National Bank of Pandora: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Pandora operates with a thinner capital cushion than most banks of its size. The Pandora, Ohio bank had $299 million in assets at June 30, 2026, up 7.6% from a year earlier. It holds common equity equal to 11.16% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%).
Earnings jumped: net income for the quarter was $707,000, 96% above the same quarter a year earlier. Its $21 million non-owner-occupied commercial real estate book is improving, with 0.33% past due or on nonaccrual, down from 1.38% a year earlier.
As of June 30, 2026, The First National Bank of Pandora reported a CET1 capital ratio of 11.16%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.22%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 102 E Main St, Pandora, OH 45877
- County
- Putnam
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 21, 1919
- Former names
- The First National Bank of Pandora (2006)
- Offices
- 7 domestic
- Employees (FTE)
- 61
- Domestic deposits
- $275.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $97K
- Average total assets
- $296.8M
- Average total loans
- $199.9M
- Average interest-bearing deposits
- $243.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6671
- Fed RSSD
- 571920
- Website
- www.e-fnb.com →
- Parent Holding Company
- PANDORA BANCSHARES, INCORPORATED (RSSD 1139149)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Pandora terminal
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.16% | 0.95% | 0.27% | 2.22% | 4.05% |
| Q1 2026 | 11.41% | 0.82% | 0.28% | 2.32% | 3.85% |
| Q4 2025 | 11.18% | 0.74% | 0.11% | 0.91% | 3.82% |
| Q3 2025 | 11.16% | 0.68% | 0.13% | 1.09% | 3.64% |
| Q2 2025 | 11.04% | 0.51% | 0.17% | 1.58% | 3.54% |
| Q1 2025 | 10.99% | 0.40% | 0.58% | 5.34% | 3.41% |
| Q4 2024 | 11.04% | 0.41% | 0.68% | 6.41% | 3.24% |
| Q3 2024 | 9.91% | 0.26% | 1.29% | 11.53% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Pandora | Pandora , OH | 45877 | $99.1M |
| Bluffton Ohio Branch | Bluffton , OH | 45817 | $72.4M |
| Ottawa Branch | Ottawa , OH | 45875 | $30.4M |
| Findlay West Branch | Findlay , OH | 45840 | $28.0M |
| Findlay East Branch | Findlay , OH | 45840 | $21.3M |
| Lima West Branch | Lima , OH | 45807 | $13.9M |
| Lima East Branch | Lima , OH | 45804 | $10.1M |
Regulatory record
What the public regulatory sources show for The First National Bank of Pandora, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 3 against individuals associated with it
- June 23, 2003, OCC: Formal Agreement: The First National Bank of Pandora
- April 13, 1992, OCC: Formal Agreement: The First National Bank Of Pandora
- Period: Most recent institution action June 23, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 84 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 133 loans originated, $28.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $432K approved, $432K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Pandora
What are The First National Bank of Pandora's total assets?
As of the Q2 2026 filing, The First National Bank of Pandora reported total assets of $299.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Pandora headquartered?
The First National Bank of Pandora is headquartered in Pandora, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank of Pandora founded?
The First National Bank of Pandora was established in 1919, per the FDIC institution directory.
Is The First National Bank of Pandora FDIC-insured?
Yes. The First National Bank of Pandora is an FDIC-insured commercial bank (FDIC Certificate #6671). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Pandora?
The First National Bank of Pandora's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of Pandora's CET1 capital ratio?
The First National Bank of Pandora reported a Common Equity Tier 1 (CET1) capital ratio of 11.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does The First National Bank of Pandora operate?
The First National Bank of Pandora operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Pandora's Texas Ratio?
The First National Bank of Pandora's Texas Ratio is 2.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The First National Bank of Pandora previously called?
The charter now named The First National Bank of Pandora has also operated as The First National Bank of Pandora (2006), per FDIC structure-change records.
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