BlastPoint's Banking Scorecard

The First National Bank of Pandora

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

Pandora, OH

7 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits +7.4% year over year ($275.1M on the books).
Delinquency rate 0.27%.
Return on assets 0.89%.
Efficiency ratio 73.15% vs a 64.48% peer average.
Loan-to-deposit ratio 72.27% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The First National Bank of Pandora has 1 strength but faces 5 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 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 21.0% in tier
- Credit Quality Pressure: Bottom 21.3% in tier
- Non-Interest-Bearing Deposit Share 15.04% below tier average
- ROA 0.43% below tier average
- Efficiency Ratio 8.67% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$299.0M +7.6% YoY +2.7% QoQ	-$87.6M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$198.8M +5.7% YoY +3.3% QoQ	-$59.5M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$275.1M +7.4% YoY +2.7% QoQ	-$51.6M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	0.89% +92.6% YoY +8.3% QoQ	-0.43%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	4.01% +11.3% YoY +2.6% QoQ	+0.02%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	73.15% -12.9% YoY -3.5% QoQ	+8.67%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.27% +52.5% YoY -4.3% QoQ	-0.65%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	72.27% -1.6% YoY +0.6% QoQ	-5.69%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	6.99% +2.5% YoY +4.5% QoQ	-15.04%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 5.8% in tier
Nonperforming Asset Ratio ?	0.18% +49.7% YoY -3.7% QoQ	-0.49%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	11.16% +1.1% YoY -2.1% QoQ	-4.75%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.27% +24.6% YoY +123.8% QoQ	-0.30%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	7.0% +0.2pp YoY +0.3pp QoQ	-15.2pp	22.1%	18.8%	22.2%	5%
Brokered Deposits	n/a	n/a	7.9%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	6.3% -1.4pp YoY -0.2pp QoQ	-5.3pp	11.6%	10.2%	12.5%	28%
CRE	31.4% +1.0pp YoY +0.8pp QoQ	-8.1pp	39.5%	34.2%	41.4%	37%
1-4 Family	48.6% +0.7pp YoY -0.6pp QoQ	+15.9pp	32.6%	50.0%	31.3%	81%
Consumer	2.7% -0.3pp YoY -0.2pp QoQ	-1.4pp	4.1%	4.7%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	11.2% +0.1pp YoY -0.2pp QoQ	-7.7pp	18.8%	22.1%	19.7%	9%
Leverage Ratio	8.1% +0.3pp YoY +0.1pp QoQ	-4.1pp	12.2%	12.9%	12.6%	2%
Total Capital Ratio	12.4% +0.2pp YoY -0.3pp QoQ	-7.6pp	19.9%	23.2%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	61 -2 (-3.2%) YoY +2 (+3.4%) QoQ	+2	58	2,433	482	64%
Assets per Employee ($)	$4.9M +11.2% YoY -0.7% QoQ	-$2.6M	$7.5M	$7.6M	$8.8M	13%
Branch Count	7 0 YoY 0 QoQ	+2	4	81	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.2%	0.4%	63%
Nonaccrual	0.1% -0.1pp QoQ	-0.8pp	0.9%	0.6%	1.0%	17%
Allowance Coverage	4.86x -30.2% YoY +3.6% QoQ	-19.29x	24.15x	18.95x	20.23x	70%
Net Charge-off Rate (YTD)	0.1% -0.2pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	12.5% +5.4pp YoY +0.9pp QoQ	+0.3pp	12.2%	9.7%	11.6%	52%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	54%
Net Income ($, YTD)	$1.3M +104.4% YoY — QoQ	-$1.3M	$2.6M	$259.3M	$40.4M	36%

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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 (2)

Credit Risk Growth

risk

#198 of 936 • Bottom 21.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#269 of 1256 • Bottom 21.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2492

Non-Interest-Bearing Deposit Share

funding

Value: 6.99%

Peer Median: 22.03%

#2492 of 2643 Bottom 5.8% in $100M-$1B

2022

Efficiency Ratio

profitability

Value: 73.15%

Peer Median: 64.48%

#2022 of 2643 Bottom 23.5% in $100M-$1B