The First National Bank of Pandora
Also written as FNB of Pandora
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Pandora is an FDIC-insured commercial bank headquartered in Pandora, OH, established in 1919 (FDIC certificate 6671), and it is supervised by the OCC. At Q2 2026 it reported total assets of $299.0M, up 7.6% from Q2 2025, the 73rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 11.16% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6671
- Headquarters
- Pandora, OH
- Established
- 1919
- Total assets, Q2 2026
- $299.0M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 11.16%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 041212873
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Pandora call report
- Holding company
- PANDORA BANCSHARES, INCORPORATED
- Asset rank in state
- 73rd of 154 in Ohio
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%. The figures come from its call report filed with the FFIEC.
The First National Bank of Pandora ranks as the 73rd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.7% to $299.0M, loans rose 3.3% and deposits rose 2.7%. 1-4 family residential loans made up 47.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 12.4%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in OH; its Pandora office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank of Pandora meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Pandora's total assets moved between a low of $251.8M (Q3 2023) and a high of $299.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$299.0M total assets against $277.7M; $277.4M total liabilities against $259.0M.
$198.8M net loans and leases against $188.2M; $275.1M total deposits against $256.3M.
$55.8M securities against $55.3M; $23.5M cash and balances due against $14.1M.
$4.0M total interest income against $3.6M; $1.2M total interest expense against $1.2M.
$2.8M net interest income against $2.3M.
$457K total noninterest income against $313K; $2.3M total noninterest expense against $2.2M.
$150K provision for credit losses against $123K.
$707K net income against $360K.
0.95% return on assets against 0.51%; 4.05% net interest margin against 3.54%.
11.16% CET1 capital ratio against 11.04%; 8.07% tier 1 leverage ratio against 7.79%.
Inside the full The First National Bank of Pandora terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Pandora rankings
Its closest position to the top of a national ranking is 2,463 of 4,196, for total assets; its furthest is 1,921 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q3 2024) to 0.95% (Q2 2026) and its net interest margin ran from 3.09% (Q3 2024) to 4.05% (Q2 2026).
| 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
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The First National Bank of Pandora headquartered?
It is headquartered in Pandora, OH, United States.
When was The First National Bank of Pandora founded?
It was established in 1919, per the FDIC institution directory.
Is The First National Bank of Pandora FDIC-insured?
Yes. It 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.
What is The First National Bank of Pandora's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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