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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.42% | 0.40% | 0.52% | 0.69% | 0.76% | 0.82% | 0.96% | +44 bps | |
| Return on Equity | 4.20% | 6.58% | 6.28% | 7.80% | 10.05% | 10.77% | 11.56% | 13.36% | +555 bps | |
| Net Interest Margin | 2.89% | 3.03% | 3.21% | 3.30% | 3.40% | 3.57% | 3.60% | 3.77% | +47 bps | |
| Efficiency Ratio | 87.60% | 87.18% | 86.55% | 81.61% | 78.52% | 75.45% | 75.83% | 70.71% | -1,089 bps | |
| Non-Interest Burden | 2.47% | 2.58% | 2.72% | 2.61% | 2.56% | 2.58% | 2.61% | 2.49% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.13% | 6.01% | 4.93% | 5.32% | 4.72% | 5.06% | 5.71% | 7.63% | +232 bps | |
| Loan Growth (YoY) | 8.77% | 6.64% | 6.35% | 6.60% | 5.45% | 4.36% | 3.12% | 5.74% | -86 bps | |
| Deposit Growth (YoY) | 9.67% | 8.37% | 8.58% | 5.62% | 4.55% | 4.28% | 5.36% | 7.35% | +173 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 0.68% | 0.58% | 0.17% | 0.13% | 0.11% | 0.28% | 0.27% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.66% | 0.01% | 0.01% | 0.01% | 0.18% | -48 bps | |
| Allowance / Loans | 1.33% | 1.31% | 1.32% | 1.21% | 1.24% | 1.30% | 1.30% | 1.29% | +8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.9x | 2.3x | 7.0x | 9.7x | 11.9x | 4.7x | 4.9x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.89% | 7.63% | 7.86% | 7.79% | 7.90% | 7.68% | 8.01% | 8.07% | +28 bps | |
| Total Risk-Based Capital | 11.02% | 12.29% | 12.24% | 12.19% | 12.33% | 12.41% | 12.65% | 12.38% | +18 bps | |
| Equity / Assets | 6.62% | 6.23% | 6.60% | 6.75% | 7.00% | 7.05% | 7.15% | 7.21% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.38% | 72.43% | 74.34% | 74.33% | 73.00% | 72.48% | 72.76% | 73.21% | -112 bps | |
| Liquid Assets / Assets | 0.89% | 2.77% | 1.94% | 3.02% | 5.73% | 6.58% | 6.57% | 5.91% | +289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 253% | 256% | 254% | n/a | n/a | |