BlastPoint's Banking Scorecard

The First National Bank of Pandora

$100M-$1B Specialty: Other OH FDIC cert 6671

Pandora, OH

7 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

The First National Bank of Pandora has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 15.33% below tier average
- ROA 0.45% below tier average
- Efficiency Ratio 10.54% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$291.0M +5.7% YoY +0.8% QoQ	-$95.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$192.5M +3.1% YoY +1.2% QoQ	-$63.2M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$268.0M +5.4% YoY +0.8% QoQ	-$59.9M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	0.82% +103.8% YoY +38.2% QoQ	-0.45%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.91% +11.2% YoY +4.6% QoQ	-0.02%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	75.83% -12.4% YoY -5.5% QoQ	+10.54%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.28% -52.5% YoY +155.8% QoQ	-0.61%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	71.81% -2.1% YoY +0.4% QoQ	-4.83%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	6.69% +7.4% YoY -17.9% QoQ	-15.33%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 5.4% in tier
Nonperforming Asset Ratio ?	0.19% -53.7% YoY +156.8% QoQ	-0.45%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	11.41% +3.8% YoY +2.0% QoQ	-4.42%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.12% +14.8% YoY -73.3% QoQ	-0.16%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2520

Non-Interest-Bearing Deposit Share

funding

Value: 6.69%

Peer Median: 22.02%

#2520 of 2664 Bottom 5.4% in $100M-$1B

2103

Efficiency Ratio

profitability

Value: 75.83%

Peer Median: 65.29%

#2103 of 2664 Bottom 21.1% in $100M-$1B