The First National Bank of Pandora (FDIC certificate #6671) is based in Pandora, Ohio. Its Q2 2026 call report shows $299.0M in total assets and $275.1M in deposits and 7 offices.
Based on its Q2 2026 filing, The First National Bank of Pandora scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 104th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is capital cushion (31/100; 8.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (61 → 65), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 48 |
| Q4 2024 | 54 |
| Q1 2025 | 57 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.95% |
| Q3 2024 | 7.89% |
| Q4 2024 | 7.63% |
| Q1 2025 | 7.86% |
| Q2 2025 | 7.79% |
| Q3 2025 | 7.90% |
| Q4 2025 | 7.68% |
| Q1 2026 | 8.01% |
| Q2 2026 | 8.07% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 1.29% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.27% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $299.0M | 8.07% | 0.27% | 0.89% | 72.3% |
| Q1 2026 | 64 | $291.0M | 8.01% | 0.28% | 0.82% | 71.8% |
| Q4 2025 | 63 | $288.7M | 7.68% | 0.11% | 0.59% | 71.5% |
| Q3 2025 | 63 | $285.1M | 7.90% | 0.13% | 0.54% | 72.1% |
| Q2 2025 | 61 | $277.7M | 7.79% | 0.17% | 0.46% | 73.4% |
| Q1 2025 | 57 | $275.3M | 7.86% | 0.58% | 0.40% | 73.4% |
| Q4 2024 | 54 | $274.8M | 7.63% | 0.68% | 0.28% | 71.5% |
| Q3 2024 | 48 | $272.2M | 7.89% | 1.29% | 0.23% | 71.4% |
| Q2 2024 | 61 | $263.7M | 7.95% | 0.05% | 0.21% | 72.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| SSB Community BankBank Strasburg, OH | 67 out of 100, Moderate | $296.8M | 7.4% | 0.14% | vs |
| First Federal Savings and Loan AssociationBank Newark, OH | 70 out of 100, Strong | $293.5M | 14.2% | 1.28% | vs |
| Somerville BankBank Eaton, OH | 60 out of 100, Moderate | $290.6M | 9.5% | 1.10% | vs |
| The First National Bank of BellevueBank Bellevue, OH | 54 out of 100, Below average | $309.7M | 9.4% | 1.77% | vs |
| Peoples State BankBank New Lexington, OH | 61 out of 100, Moderate | $286.5M | 8.3% | 0.60% | vs |
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |
Deposit insurance
Is my money safe at The First National Bank of Pandora?
Yes. The First National Bank of Pandora is an FDIC-insured institution (FDIC certificate #6671). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.7% of deposits ($59.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.38% (benchmark: 10%).
7 locations
Branches
The First National Bank of Pandora lists 7 offices in 5 cities. Most locations:
- Findlay, OH (2)
- Lima, OH (2)
- Bluffton, OH (1)
- Ottawa, OH (1)
- Pandora, OH (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Pandora reported 150 home-loan applications under HMDA (LEI 549300ROUYYKL22P3T17): 133 originated ($28,005,000 total), 5 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The First National Bank of Pandora
- Type
- National bank
- FDIC certificate #
- 6671
- RSSD ID
- 571920
- Primary regulator
- OCC
- Holding company
- Pandora Bancshares Inc
- Established
- June 21, 1919
- Headquarters
- 102 E Main St, Pandora, OH 45877
- Website
- www.e-fnb.com
- Employees
- 61
Quick answers
The First National Bank of Pandora: common questions
Is The First National Bank of Pandora FDIC insured?
Yes. The First National Bank of Pandora is an FDIC-insured institution (FDIC certificate #6671). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Pandora's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Pandora ever failed?
There is no failure record for FDIC certificate #6671 in the FDIC failed bank list.
How many branches does The First National Bank of Pandora have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pandora
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Ottoville Bank CompanyBank Ottoville, OH | 95 out of 100, Very strong | $93.8M | 21.4% | 0.00% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Millstream Area Credit UnionCredit union Findlay, OH | 82 out of 100, Strong | $70.8M | 12.6% | 0.66% | vs |
| Usx Federal Credit UnionCredit union Cranberry Twp, PA | 78 out of 100, Strong | $258.1M | 12.5% | 0.18% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |
| The Corn City State BankBank Deshler, OH | 77 out of 100, Strong | $104.5M | 10.8% | 0.01% | vs |