BlastPoint's Banking Scorecard
The First National Bank of Pandora
Micro
Specialty: Other
OH
FDIC cert 6671
Designations: ✓ Community bank
Pandora, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The First National Bank of Pandora faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.7M
+5.1% YoY
+1.3% QoQ
|
+$71.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$190.2M
+4.4% YoY
+0.4% QoQ
|
+$51.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$265.9M
+4.3% YoY
+1.2% QoQ
|
+$82.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.59%
+114.6% YoY
+10.4% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.74%
+19.7% YoY
+2.4% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
80.27%
-11.2% YoY
-2.2% QoQ
|
+12.55% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.11%
-84.0% YoY
-14.7% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
71.54%
+0.1% YoY
-0.8% QoQ
|
-2.99% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
8.15%
+12.3% YoY
+4.2% QoQ
|
-14.24% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-84.1% YoY
-15.4% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.18%
+1.3% YoY
+0.2% QoQ
|
+2.33% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.45%
+6.3% YoY
+34.9% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.15%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Total Deposits
Current: $265.9M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $190.2M · Tier avg: $139.2M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
70
70th pctile
Total Assets
Current: $288.7M · Tier avg: $217.5M
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.54% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.18% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
21
21th pctile
Efficiency Ratio
Current: 80.27% · Tier avg: 67.73%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 22.39%
21
21th pctile
Efficiency Ratio
Current: 80.27% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.18% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.54% · Tier avg: 74.53%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
70
70th pctile
Total Assets
Current: $288.7M · Tier avg: $217.5M
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
71
71th pctile
Total Loans
Current: $190.2M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $265.9M · Tier avg: $183.7M