The First National Bank of Pandora: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Pandora of Pandora, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.95% | 1.35% | -0.40% | 30th below |
| ROAE | 13.36% | 12.05% | +1.31% | 56th above |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 70.62% | 63.15% | +7.47% | 27th below |
| PPNR / Avg Assets | 1.28% | 1.64% | -0.36% | 33rd below |
| Yield on Earning Assets | 5.78% | 5.65% | +0.13% | 58th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.85% | -0.01% | 47th below |
| Net Interest Spread | 3.88% | 3.35% | +0.53% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.92% | -0.60% | 56th above |
| NPA / Total Assets | 0.22% | 0.67% | -0.45% | 58th above |
| NCO / Avg Loans | 0.18% | 0.15% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 401.39% | 1645.67% | -1244.28% | 66th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.18% | 7.15% | -2.97% | 46th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 206.19% | 1189.80% | -983.61% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.16% | 20.84% | -9.68% | 10th bottom |
| Tier 1 Ratio | 11.16% | 20.87% | -9.71% | 9th bottom |
| Total Capital Ratio | 12.38% | 21.94% | -9.56% | 11th bottom |
| Leverage Ratio | 8.07% | 12.47% | -4.40% | 3rd bottom |
| Equity / Assets | 7.21% | 11.67% | -4.46% | 8th bottom |
| TCE / Tangible Assets | 7.21% | 11.40% | -4.19% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.21% | 78.65% | -5.44% | 65th above |
| Core Deposit Ratio | 92.66% | 87.09% | +5.57% | 72nd above |
| Wholesale Funding Ratio | 0.03% | 5.12% | -5.09% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.63% | 6.47% | +1.16% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.74% | 7.64% | -1.90% | 53rd above |
| Deposit Growth (Y/Y) | 7.35% | 6.02% | +1.33% | 72nd above |
See The First National Bank of Pandora's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Pandora, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Pandora profile, how to read a UBPR, or how this data updates.