The First National Bank of Pandora
Pandora, OH
IDRSSD: 571920
Total Assets
$288.70M
Latest filing
Total Deposits
$265.86M
Latest filing
Net Interest Margin
3.99%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Pandora
102 E Main St
Pandora, OH 45877
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/21/1919FDIC Certificate 4469
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Pandora (Main) | 102 E Main St | Pandora, OH |
| BLUFFTON OHIO BRANCH | 112 Cherry St | Bluffton, OH |
| FINDLAY EAST BRANCH | 1630 Tiffin Ave | Findlay, OH |
| FINDLAY WEST BRANCH | 1114 Trenton Ave | Findlay, OH |
| OTTAWA BRANCH | 855 N Locust St | Ottawa, OH |
| LIMA WEST BRANCH | 2580 N Eastown Rd | Lima, OH |
| LIMA EAST BRANCH | 1991 Bellefontaine Road | Lima, OH |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/21/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45877 |
| State and County Number | 39137 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.e-fnb.com |
| Data Updated | 01/30/2026 |
| CERT | 6671 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $288.70M |
| Total Deposits | $265.86M |
| Total Liabilities | $268.34M |
| Total Equity Capital | $20.36M |
| Net Income | $543.00k |
| Net Loans and Leases | $190.20M |
| Assets Per Employee ($Millions) | $4.89M |
| Bank Premises and Fixed Assets | $9.53M |
| Cash and Balances due from Depository Institutions | $21.39M |
| Deposits Held in Domestic Offices | $265.86M |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 10.77% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 75.45% |
| Tier 1 Risk-Based Capital Ratio | 11.18% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.052% |
| Earning Assets to total Assets | 92.28% |
Income and Expense
| Total Interest Income | $3.88M |
| Total Noninterest Income | $350.00k |
| Total Interest Expense | $1.25M |
| Total Noninterest Expense | $2.25M |
| Net Interest Income | $2.63M |
| Pre-tax Net Operating Income | $606.00k |
| Provision for Credit Losses | $126.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $145.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.67M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.34M |
| Total Liabilities and Capital | $288.70M |
Securities
| Securities | $55.55M |
| Available-for-sale debt securities | $55.55M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Pandora?
$288.70M as of the latest filing.
How much are The First National Bank of Pandora's total deposits?
$265.86M in total deposits.
Where is The First National Bank of Pandora located?
Pandora, OH.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
7.
When was it established?
06/21/1919.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$190.20M (latest filing).
What is the total interest income (latest filing)?
$3.88M.