The First National Bank of Pandora: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 61.36 percentage points higher than in Q1 2026, at 401.39%. The First National Bank of Pandora ranks 90th of 156 Ohio banks on return on assets, in the lower half at 0.95% (Q2 2026). The First National Bank of Pandora reported 0.95% on return on assets for Q2 2026, 0.30 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.16% |
| Tier 1 risk-based capital ratio | 11.16% |
| Total risk-based capital ratio | 12.38% |
| Tier 1 leverage ratio | 8.07% |
| Equity capital to assets | 7.21% |
| Tangible equity to tangible assets | 7.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 4.18% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 401.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 13.36% |
| Net interest margin | 4.05% |
| Efficiency ratio | 70.62% |
| Yield on earning assets | 5.78% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.21% |
| Core deposits to total deposits | 92.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.03% |
| Securities to assets | 18.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.36% | 11.36% | 12.51% | 8.31% | 0.23% |
| Q4 2023 | 10.94% | 10.94% | 12.08% | 8.03% | 0.22% |
| Q1 2024 | 10.54% | 10.54% | 11.66% | 8.01% | 0.13% |
| Q2 2024 | 10.44% | 10.44% | 11.56% | 7.95% | 0.28% |
| Q3 2024 | 9.91% | 9.91% | 11.02% | 7.89% | 0.26% |
| Q4 2024 | 11.04% | 11.04% | 12.29% | 7.63% | 0.41% |
| Q1 2025 | 10.99% | 10.99% | 12.24% | 7.86% | 0.40% |
| Q2 2025 | 11.04% | 11.04% | 12.19% | 7.79% | 0.51% |
| Q3 2025 | 11.16% | 11.16% | 12.33% | 7.90% | 0.68% |
| Q4 2025 | 11.18% | 11.18% | 12.41% | 7.68% | 0.74% |
| Q1 2026 | 11.41% | 11.41% | 12.65% | 8.01% | 0.82% |
| Q2 2026 | 11.16% | 11.16% | 12.38% | 8.07% | 0.95% |
The First National Bank of Pandora vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Pandora, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)