🏦Bank Scorer

THE FIRST NATIONAL BANK OF PANDORA

PANDORA, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1919FDIC #6,671
Outstanding Up

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

102 E Main St, PANDORA, OH

County

Putnam County

Established

June 21, 1919

Total Assets

$291M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 8, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$291M

Total Deposits

$268M

Net Loans

$192M

Net Income

$595K

ROA

0.82%

ROE

11.56%

Risk-Based Capital

12.65%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.89%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$256M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417389.6%2.89%
202313393.98%2.26%
202213292.42%2.27%
202132788.07%5.20%
202058172.46%23.75%
201918688.17%6.45%
201814291.55%5.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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