The First National Bank of Pandora: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 16.48 percentage points in Q2 2026, from 124.71% to 141.19%. 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 median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Pandora sits 7.63 points lower, at 73.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.4M |
| Net loans and leases | $198.8M |
| Loans held for sale | $854K |
| Loans to total assets | 67.38% |
| Loan-to-deposit ratio | 73.21% |
| Net loans to equity capital | 9.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.67% |
| Multifamily (5+ residential) | 3.90% |
| Commercial and industrial | 6.18% |
| Consumer | 2.67% |
| Credit cards | 0.00% |
| Farm | 9.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.36% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.19% |
| Construction concentration (Tier 1 capital + allowance) | 33.73% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.07% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $167.2M | $229.1M | 23.59% | 10.07% | 3.58% |
| Q4 2023 | $173.1M | $235.2M | 22.54% | 9.45% | 3.33% |
| Q1 2024 | $177.8M | $234.3M | 21.85% | 9.43% | 3.27% |
| Q2 2024 | $178.7M | $242.7M | 21.40% | 9.10% | 3.22% |
| Q3 2024 | $181.9M | $251.3M | 22.27% | 8.29% | 3.10% |
| Q4 2024 | $184.6M | $254.9M | 21.75% | 8.88% | 3.04% |
| Q1 2025 | $189.1M | $254.4M | 22.02% | 9.43% | 2.99% |
| Q2 2025 | $190.5M | $256.3M | 22.29% | 7.58% | 2.95% |
| Q3 2025 | $191.8M | $262.7M | 21.56% | 7.27% | 2.98% |
| Q4 2025 | $192.7M | $265.9M | 21.16% | 7.18% | 2.97% |
| Q1 2026 | $195.0M | $268.0M | 22.12% | 6.38% | 2.88% |
| Q2 2026 | $201.4M | $275.1M | 22.67% | 6.18% | 2.67% |
The First National Bank of Pandora loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Pandora, freeSource: Call Report Schedule RC-C, 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)