Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Total Assets
$291M
Total Deposits
$268M
Net Loans
$192M
Net Income
$595K
ROA
0.82%
Above avg for Small banks. Peer avg: 0.44%
ROE
11.56%
Risk-Based Capital
12.65%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 173 | 89.6% | 2.89% |
| 2023 | 133 | 93.98% | 2.26% |
| 2022 | 132 | 92.42% | 2.27% |
| 2021 | 327 | 88.07% | 5.20% |
| 2020 | 581 | 72.46% | 23.75% |
| 2019 | 186 | 88.17% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2023 | Outstanding | Small Bank |
| Jan 2019 | Satisfactory | Small Bank |
| Mar 2014 | Satisfactory | Small Bank |
4 previous ratings locked — back to 1994
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
7
Branch Deposits
$256M
1-Year Change
0
5-year net change: +2 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/the-first-national-bank-of-pandora" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2018 | 142 | 91.55% | 5.63% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red