First National Bank of Pandora, The
Pandora, OH · Cert 6671 · Peer group: banks under $1B in assets in OH (n=68-71) · Pandora Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
$299.0MAssets
$201.4MLoans
$275.1MDeposits
$21.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 66% of banks under $1B in assets in OH (rank 24 of 71).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in OH (rank 66 of 71).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.87%
Rank 40 of 71
Net Interest Margin
3.64%
Rank 29 of 71
Efficiency Ratio
73.15%
Rank 42 of 71
Equity / Assets
7.21%
Rank 66 of 71
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 42% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.62% | 1.02% | 1.39% | Beats 44% | 40 / 71 | | |
| Return on Equity | 12.09% | 5.62% | 10.07% | 13.60% | Beats 66% | 24 / 71 | | |
| Net Interest Margin | 3.64% | 2.93% | 3.56% | 4.07% | Beats 59% | 29 / 71 | | |
| Efficiency Ratio | 73.15% | 55.94% | 70.77% | 78.80% | Beats 42% | 42 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.08% | 0.27% | 0.97% | Beats 50% | 35 / 68 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.05% | Beats 21% | 55 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 11.16% | 11.18% | 13.77% | 20.34% | Beats 21% | 56 / 71 | | |
| Total Risk-Based Capital Ratio | 12.38% | 12.08% | 14.34% | 21.24% | Beats 28% | 51 / 71 | | |
| Equity / Assets | 7.21% | 8.41% | 10.74% | 13.32% | Beats 7% | 66 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.21% | 64.48% | 76.81% | 87.49% | 41st pctl | 40 / 68 | | |
| Loans / Assets | 67.38% | 55.33% | 65.58% | 72.51% | 54th pctl | 33 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |