Pandora, OH · Cert 6671 · Pandora Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Lima, OH · 2026 SOD (annual) · 3.9% share · #7 of 11 inst. · $0.1B of $2.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.54% | 0.59% | 0.82% | 0.89% | +43 bps | |
| Return on Equity | 7.07% | 8.09% | 8.83% | 11.56% | 12.46% | +538 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.26% | 3.60% | 3.64% | +43 bps | |
| Efficiency Ratio | 84.01% | 82.09% | 80.27% | 75.83% | 73.15% | -1,086 bps | |
| Non-Interest Burden | 2.63% | 2.60% | 2.53% | 2.61% | 2.52% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.32% | 4.72% | 5.06% | 5.71% | 7.63% | +232 bps | |
| Loan Growth (YoY) | 6.60% | 5.45% | 4.36% | 3.12% | 5.74% | -86 bps | |
| Deposit Growth (YoY) | 5.62% | 4.55% | 4.28% | 5.36% | 7.35% | +173 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.13% | 0.11% | 0.28% | 0.27% | +9 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.22% | 0.17% | 0.01% | 0.10% | -23 bps | |
| Allowance / Loans | 1.21% | 1.24% | 1.30% | 1.30% | 1.29% | +8 bps | |
| Allowance Coverage of NPLs | 7.0x | 9.7x | 11.9x | 4.7x | 4.9x | -2.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.79% | 7.90% | 7.68% | 8.01% | 8.07% | +28 bps | |
| Total Risk-Based Capital | 12.19% | 12.33% | 12.41% | 12.65% | 12.38% | +18 bps | |
| Equity / Assets | 6.75% | 7.00% | 7.05% | 7.15% | 7.21% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.33% | 73.00% | 72.48% | 72.76% | 73.21% | -112 bps | |
| Liquid Assets / Assets | 3.02% | 5.73% | 6.58% | 6.57% | 5.91% | +289 bps | |
| CRE / Total Capital | n/a | 253% | 256% | 254% | n/a | n/a | |