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The First National Bank Of Pandora

Pandora, OH · Est. 1919 · Website ↗
B
Trust Grade
Strong
Score: 86/100

The First National Bank Of Pandora is a bank based in Pandora, Ohio, established in 1919, with $291 million in total assets across 7 branches. By Trust Grade it ranks 139th of 157 banks we track in Ohio. Its capital ratio of 7.1% trails most similarly sized banks (8th percentile), versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 0.82% return on assets. No consumer complaints against The First National Bank Of Pandora appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$291.0M
$100M–1B institution
Deposits
$268.0M
Branches
7
Capital ratio
7.1%
Bottom 8% of $100M–1B peers · Ohio median 10.3%
Return on assets
0.8%
Bottom 27% of $100M–1B peers · Ohio median 0.93%
Rank in Ohio
#139
of 157 banks

How The First National Bank Of Pandora compares to Ohio peers

Capital ratio
Bottom 8% of $100M–1B peers
The First
7.1%
Ohio median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 27% of $100M–1B peers
The First
0.8%
Ohio median
0.9%
Higher ROA = more profitable relative to asset base

How we graded The First National Bank Of Pandora

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
86/100
Customer experience
n/a
Overall
B · 86
  • Well-capitalized (7.1% capital ratio)
  • Profitable (ROA 0.82%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The First National Bank Of Pandora over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (7)

  • 112 Cherry St, Bluffton, OH 45817
  • 1630 Tiffin Ave, Findlay, OH 45840
  • 102 E Main St, Pandora, OH 45877
  • 1114 Trenton Ave, Findlay, OH 45840
  • 855 N Locust St, Ottawa, OH 45875
  • 2580 N Eastown Rd, Lima, OH 45807
  • 1991 Bellefontaine Road, Lima, OH 45804

Are deposits at The First National Bank Of Pandora insured?

Yes. The First National Bank Of Pandora is an FDIC-insured bank (FDIC certificate #6671). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The First National Bank Of Pandora: frequently asked questions

Is The First National Bank Of Pandora a good bank?

The First National Bank Of Pandora earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (7.1% capital ratio); Profitable (ROA 0.82%).

Is The First National Bank Of Pandora FDIC-insured?

Yes. The First National Bank Of Pandora is a FDIC-insured bank (FDIC certificate #6671). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The First National Bank Of Pandora?

The First National Bank Of Pandora holds $291 million in total assets, ranking 139th of 157 banks we track in Ohio. It operates 7 branches.

Does The First National Bank Of Pandora have CFPB complaints?

No CFPB complaints against The First National Bank Of Pandora appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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