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The First National Bank Of Pandora
Pandora, OH · FDIC Certificate #6671 · Chartered 06/2
Total assets
$298.95M
Total deposits
$275.14M
Total equity
$21.54M
Net loans
$198.83M
Branches (offices)
7
Net income (YTD)
$1.30M
Rank: #2,473 of 4,213 U.S. banks by assets · #73 of 155 in Ohio. Assets changed 7.6% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 12.46% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 7.21% |
| Tier 1 leverage ratio | 8.07% |
| Uninsured deposits (share of deposits) | 21.7% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 72.3% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $177.49M | 89.3% | |
| Commercial & industrial | $12.44M | 6.3% | |
| Consumer / individual | $5.39M | 2.7% | |
| Construction & development | $8.95M | 4.5% | |
| Agricultural | $4.49M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $238.06M | $219.57M | $849.00K | $15.05M |
| Jun 2023 | $250.45M | $227.07M | $501.00K | $14.79M |
| Jun 2024 | $263.73M | $242.66M | $269.00K | $16.26M |
| Jun 2025 | $277.75M | $256.30M | $637.00K | $18.74M |
| Jun 2026 | $298.95M | $275.14M | $1.30M | $21.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $275.14M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $275.14M.
Similar-sized banks
Bank Of Crockett ($299.05M) · Caldwell Bank & Trust Company ($298.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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