The First National Bank of Pandora: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos climbed 88.9% in Q2 2026, from $1.2M to $2.3M. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Pandora ranks 112th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 73.21% (Q2 2026). The First National Bank of Pandora reported 73.21% on loan-to-deposit ratio for Q2 2026, 7.63 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $23.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.3M |
| Fed funds sold and reverse repos | $2.3M |
| Fed funds sold and reverse repos to assets | 0.78% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $102K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.03% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.21% |
| Net loans and leases to deposits | 72.27% |
| Loans and leases to core deposits | 79.01% |
| Core deposits to total deposits | 92.66% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 72.98% | 91.22% | $0 | $5.4M |
| Q4 2023 | 73.60% | 87.50% | $0 | $5.4M |
| Q1 2024 | 75.90% | 86.94% | $0 | $9.8M |
| Q2 2024 | 73.64% | 87.93% | $0 | $2.3M |
| Q3 2024 | 72.38% | 87.64% | $0 | $265K |
| Q4 2024 | 72.43% | 91.36% | $0 | $244K |
| Q1 2025 | 74.34% | 91.57% | $0 | $221K |
| Q2 2025 | 74.33% | 91.05% | $0 | $193K |
| Q3 2025 | 73.00% | 91.45% | $0 | $164K |
| Q4 2025 | 72.48% | 93.44% | $0 | $145K |
| Q1 2026 | 72.76% | 92.73% | $0 | $124K |
| Q2 2026 | 73.21% | 92.66% | $0 | $102K |
The First National Bank of Pandora liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Pandora, freeSource: Call Report Schedules RC and RC-M, 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)