Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
48th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 14, 2026
Call-report figures are for The First National Bank of Pandora at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The First National Bank of Pandora's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.0% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (48th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $65K in Q2 2026, 4.8% above the same quarter a year earlier ($62K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for The First National Bank of Pandora (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $65K | −$1K | −1.5% |
| Q1 2026 | $66K | −$10K | −13.2% |
| Q4 2025 | $76K | +$3K | +4.1% |
| Q3 2025 | $73K | +$11K | +17.7% |
| Q2 2025 | $62K | +$1K | +1.6% |
| Q1 2025 | $61K | −$3K | −4.7% |
| Q4 2024 | $64K | −$2K | −3.0% |
| Q3 2024 | $66K | +$7K | +11.9% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The First National Bank of Pandora left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Pandora by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Service Charge (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $4 | per month | None |
| Monthly Service Charge if Requirements Not Met (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Service Charge if Requirements Not Met (audience not stated, treated as personal) | $6 | per month | None |
Other feesUnder review | |||
| Age 60 and over receive (audience not stated, treated as personal) | Not stated | Not stated | None |
| Monthly Service Charge (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Service Charge (audience not stated, treated as personal) | $4 | per month | None |
| Monthly Service Charge if Requirements Not Met (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Service Charge if Requirements Not Met (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Service Charge if Requirements Not Met (First Choice Basic) (audience not stated, treated as personal) | $6 | per month | None |
| Monthly Service Charge if Requirements Not Met (First Choice Easy Banking) (audience not stated, treated as personal) | $5 | per month | None |
| There (audience not stated, treated as personal) | $10 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The First National Bank of Pandora operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $275.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $178.8M |
| 3 | $96.3M |
Lima, OH
3.9% of bank deposits, #7 of 11, up 1.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 24.1% |
| The Citizens National Bank of Bluffton | 17.3% |
| The Huntington National Bank | 13.7% |
| WesBanco Bank, Inc. | 13.3% |
| The Union Bank Company | 10.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Lima, OH, The First National Bank of Pandora holds 3.9% of bank deposits, #7 of 11, with 3 offices.
41 offices of 14 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 11 institutions shown. $2.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.9% share, 3 offices, #7 of 11
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
12 offices of 3 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
2 past actions
Past
OCC. Ended March 15, 2006
OCC. Ended February 17, 1993
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows