BanksFIRST NATIONAL BANK OF PANDORA, THE

FIRST NATIONAL BANK OF PANDORA, THE

PANDORA, OHSmallEst. June 21, 1919, midnightFDIC #6671RSSD #571920OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF PANDORA, THE is an FDIC-insured commercial bank headquartered in PANDORA, OH, established in June 21, 1919, midnight. As of 2025-12-31, the bank reported total assets of $289M and total deposits of $266M. Profitability stands at 0.76% ROA and 10.77% ROE, with a net interest margin of 3.99%. CET1 capital ratio: 11.18%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 7 domestic branches.

Assets
$289M
Deposits
$266M
Loans
$193M
Equity
$20M

Profitability

Return on Assets (ROA)0.76%
Return on Equity (ROE)10.77%
Net Interest Margin3.99%
Yield on Assets5.89%
Cost of Funds1.90%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.17%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.30%

Capital & Liquidity

CET1 Ratio11.18%
Tier 1 Capital11.18%
Total Capital Ratio12.41%
Leverage Ratio7.68%
Loan-to-Deposit72.48%

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