The First National Bank of Pandora: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 5.3% in Q2 2026 to $214.5M, the biggest move on this page. On CET1 ratio, The First National Bank of Pandora is 8th from the bottom among 84 Ohio banks, 11.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Pandora sits 3.91 points lower, at 11.16% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $23.9M |
| Tier 1 capital | $23.9M |
| Total risk-based capital | $26.5M |
| Total equity capital | $21.5M |
| Risk-weighted assets | $214.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.21% |
| Tangible equity to tangible assets | 7.21% |
| Equity capital to average assets | 7.26% |
| Internal capital growth rate | 13.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $1.8M |
| Retained earnings | $21.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.36% | 11.36% | 12.51% | 8.31% | $187.6M |
| Q4 2023 | 10.94% | 10.94% | 12.08% | 8.03% | $192.4M |
| Q1 2024 | 10.54% | 10.54% | 11.66% | 8.01% | $200.5M |
| Q2 2024 | 10.44% | 10.44% | 11.56% | 7.95% | $204.2M |
| Q3 2024 | 9.91% | 9.91% | 11.02% | 7.89% | $217.0M |
| Q4 2024 | 11.04% | 11.04% | 12.29% | 7.63% | $194.2M |
| Q1 2025 | 10.99% | 10.99% | 12.24% | 7.86% | $197.7M |
| Q2 2025 | 11.04% | 11.04% | 12.19% | 7.79% | $200.0M |
| Q3 2025 | 11.16% | 11.16% | 12.33% | 7.90% | $202.2M |
| Q4 2025 | 11.18% | 11.18% | 12.41% | 7.68% | $202.5M |
| Q1 2026 | 11.41% | 11.41% | 12.65% | 8.01% | $203.7M |
| Q2 2026 | 11.16% | 11.16% | 12.38% | 8.07% | $214.5M |
The First National Bank of Pandora regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Pandora, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Pandora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6671) · FFIEC NIC profile (RSSD 571920)