What are the current interest rates at FNB of Pandora?

Current rates for FNB of Pandora include: 12-Month CD: 1.11%, 18-Month CD: 1.21%, 24-Month CD: 1.31%, 36-Month CD: 1.51%, 48-Month CD: 1.76%, 60-Month CD: 2.27%, Savings: 0.30%, MMA: 2.07%

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FNB of Pandora Rates & Review October 2026

Q: How many branches does FNB of Pandora operate?

FNB of Pandora currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Pandora does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Pandora provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

FNB of Pandora's top rates as of October 14, 2026 are 3.61% APY on its 25-Month Special - Relationship Bump-Up CD, 0.30% APY on savings, 2.07% APY on money market accounts, and 3.10% APY on checking, according to rates verified by MonitorBankRates. Other FNB of Pandora CD rates include 7-Month Special - Relationship Bump-Up at 3.61%, 25-Month 25-Month Certificate Special at 3.45%, and 7-Month 7-Month Certificate Special at 3.45%. MonitorBankRates evaluates the financial stability of FNB of Pandora with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.48%. Rates last updated and verified on 10/14/2026.

FNB of Pandora money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FNB of Pandora? Share your experience about FNB of Pandora by leaving a review below, or read customer reviews before you decide to use FNB of Pandora.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.48%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Pandora

102 E Main St
Pandora, OH 45877

https://www.e-fnb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

FNB of Pandora CD Rates

Product	Rate	APY	Term
25-Month Special - Relationship Bump-Up	3.55%	3.61%	25-Month
Min Balance $5,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
7-Month Special - Relationship Bump-Up	3.55%	3.61%	7-Month
Min Balance $5,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
25 Month Certificate Special	3.40%	3.45%	25-Month
Min Balance $5,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
7 Month Certificate Special	3.40%	3.45%	7-Month
Min Balance $5,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
31-Month Special - Relationship Bump-Up	3.25%	3.30%	31-Month
Min Balance $5,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
31 Month Certificate Special	3.10%	3.14%	31-Month
Min Balance $5,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.14% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Variable Rate Retirement Accounts (IRAs 18 Month)	2.75%	2.78%	18 Month
Min Deposit $100 Details Variable IRA; rate subject to change after account is opened; customers 59 1/2 or older may withdraw a portion of funds without penalty Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
60-Month - Relationship Bump-Up	2.40%	2.43%	60-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.43% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
60 Month Certificate	2.25%	2.27%	60-Month
Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.27% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
48-Month - Relationship Bump-Up	1.90%	1.92%	48-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.92% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
48-Month CD	1.90%	1.92%	48-Month
Min Balance $1,000 Details Relationship Bump-up interest rate; requires a checking account, savings account or active loan with FNB; minimum balance of $2,500.00 to receive the Bump-Up Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.92% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
48 Month Certificate	1.75%	1.76%	48-Month
Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
36-Month - Relationship Bump-Up	1.65%	1.66%	36-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
30-Month - Relationship Bump-Up	1.55%	1.56%	30-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
36 Month Certificate	1.50%	1.51%	36-Month
Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
24-Month - Relationship Bump-Up	1.45%	1.46%	24-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.46% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
30-Month CD	1.40%	1.41%	30-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum Balance to Open and Maintain Stated Yield: $1,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
18-Month - Relationship Bump-Up	1.35%	1.36%	18-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
24-Month CD	1.30%	1.31%	24-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.31% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
12-Month - Relationship Bump-Up	1.25%	1.26%	12-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
18 Month Certificate	1.20%	1.21%	18-Month
Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.21% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
12-Month CD	1.10%	1.11%	12-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
6-Month - Relationship Bump-Up	0.90%	0.90%	6-Month
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
6-Month CD	0.75%	0.75%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Minimum Balance to Open and Maintain Stated Yield: $1,000.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
90 Day Certificate	0.50%	0.50%	90-Day
Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Savings Rates

Product	Rate	APY
First Choice Rewards Savings	0.30%	0.30%
Min Deposit $1 Min Balance $0 Details Qualifications Required; Balance: $0 to $25,000.00; APY range based on balance in account; 0.01% APY applies to all balances if qualifications are not met Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 0.01% → 0.30% ▲ 0.29 pts · high 0.30% / low 0.01% Oct 14, 20260.30%▲ from 0.01% Sep 19, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Christmas Club	0.25%	0.25%
Min Deposit $1 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Simply Savings	0.25%	0.25%
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Vacation Club	0.25%	0.25%
Min Deposit $1 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.11%	0.11%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.11% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.09%	0.09%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.09% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Accounts	0.07%	0.07%
Min Deposit $25 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Health Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0 to $999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Money Market Rates

Product	Rate	APY
Hi-Fi Money Market Accounts	2.05%	2.07%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 and Higher Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 2.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	1.25%	1.26%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	1.05%	1.06%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	0.80%	0.80%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	0.50%	0.50%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Hi-Fi Money Market	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: $0 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Checking Rates

Product	Rate	APY
First Choice Rewards Checking	3.05%	3.10%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Qualifying transactions must post and clear account during the monthly qualification cycle Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.25%	0.25%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000.00 and Higher Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.20%	0.20%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.15%	0.15%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.10%	0.10%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
First Choice Basic Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000.00 to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Business Checking Rates

Product	Rate	APY
Business Interest and Non-Profit Business Checking	2.05%	2.07%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000.00 and Higher Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	1.25%	1.26%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	1.05%	1.06%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.80%	0.80%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.50%	0.50%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

FNB of Pandora Other Rates

Product	Rate	Points	APY/APR	Term
90-Day - Relationship Bump-Up	0.65%	-	0.65%	90-Day
Min Balance $1,000 Details Relationship Bump-up: requires a checking account, savings account or active loan with FNB; Minimum Balance to receive the Bump-Up is $2,500.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Moola Moola	0.25%	-	0.25%
Min Deposit $5 Details Bonus: First National Bank deposits up to $25.00 to match the account opening deposit; minimum $5.00 deposit to open and earn the bonus; bonus will not exceed $25.00 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%
Student	0.25%	-	0.25%
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

FNB of Pandora’s Texas Ratio fell from 4.15% in Q3 2023 to 2.48% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.7 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$299M	2.48%	5.0	A+
March 31, 2026	$291M	2.60%	5.0	A+
December 31, 2025	$289M	1.03%	5.0	A+
September 30, 2025	$285M	1.22%	5.0	A+
June 30, 2025	$278M	1.77%	4.8	A
March 31, 2025	$275M	6.08%	4.6	A-
December 31, 2024	$275M	7.32%	4.2	B+
September 30, 2024	$272M	13.08%	4.6	B+
June 30, 2024	$264M	0.53%	4.2	A-
March 31, 2024	$262M	3.38%	4.0	B+
December 31, 2023	$259M	2.76%	4.1	B+
September 30, 2023	$252M	4.15%	3.7	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Pandora is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FNB of Pandora rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FNB of Pandora's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Pandora

Bank Holding Company PANDORA BANCSHARES INC

Address 102 E Main St, Pandora, OH 45877 · Putnam

Website https://www.e-fnb.com

FDIC Certificate # 6671

Established 19190621

FDIC Insurance Date 19340101

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8890%

Return on Equity (ROE) 12.4600%

Non-Performing Loans (NPL) 0.18%

Total Assets $298,951,000

Total Deposits $275,136,000

Equity Capital $21,540,000

Net Income $1,302,000

Headquarters Pandora

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FNB of Pandora earned the Verified Healthy badge

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Frequently Asked Questions About FNB of Pandora

How many branches does FNB of Pandora operate?

FNB of Pandora currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Pandora does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Pandora provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Pandora offer online and mobile banking?

Most modern institutions like FNB of Pandora provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.e-fnb.com.

Current FNB of Pandora Rates

12-Month CD1.11%
18-Month CD1.21%
24-Month CD1.31%
36-Month CD1.51%
48-Month CD1.76%
60-Month CD2.27%
Savings0.30%
MMA2.07%

Retrieved from our database of financial products. Rates subject to change.

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FNB of Pandora Rates & Review October 2026

Brian McKay

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