Bank · FDIC insured
First National Bank of Pandora
A $299M bank headquartered in Pandora, OH, with 7 branches in Ohio. Best rates: savings 0.25% APY.
First National Bank of Pandora Carrot Score
66
Carrot Score
Higher than 18% of U.S. banks and credit unions
#5 of 8 in Lima, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank of Pandora
Established over 100 years ago as an independent community bank based in Pandora, Ohio, First National Bank was founded to support area residents and businesses.
- Headquarters
- 102 E Main St, Pandora, OH 45877
- FDIC certificate
- 6671 ↗
Branches
7 branches in Ohio
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Ohio
7 branches
Lima area · 3
- Bluffton Ohio Branch112 Cherry St, Bluffton, OH 45817Directions
- Lima East Branch1991 Bellefontaine Road, Lima, OH 45804Directions
- Lima West Branch2580 N Eastown Rd, Lima, OH 45807Directions
Findlay area · 2
- Findlay East Branch1630 Tiffin Ave, Findlay, OH 45840Directions
- Findlay West Branch1114 Trenton Ave, Findlay, OH 45840Directions
Pandora area · 1
- The First National Bank of PandoraMain office102 E Main St, Pandora, OH 45877Directions
Ottawa area · 1
- Ottawa Branch855 N Locust St, Ottawa, OH 45875Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.07% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.89% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $73 | $81 | — |
- CapitalLeverage ratio8.07%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.89%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$73Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank of Pandora are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.