Press Releases

Answers To Social Security's Big Questions - October 2016

(Pandora, OH) – Do you go into a frenzy when you think about retirement? Do I have enough money to retire? Will Social Security be available? When should I collect Social Security? First National Bank and First National Financial Services are pleased to announce a Social Security Workshop Wednesday, November 16th from 5:30pm to 7:30pm at our office located at 1630 Tiffin Avenue in Findlay.

The workshop will provide general education about Social Security benefits, strategies on how to receive Social Security benefits and will walk through individual options.

The event is free and open to the public. Seating is limited; those interested in attending should RSVP by calling (419) 384-3221or visiting any First National Bank branch in Bluffton, Findlay, Pandora or Ottawa or by visiting www.e-FNB.com. RSVPs are requested by November 14th.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151 MM in assets. The bank has office in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

Securities offered through LPL Financial Member FINRA/SIPC. The investment products sold through LPL Financial are not insured First National Bank of Pandora deposits and are not FDIC insured. These products are not obligations of First National Bank of Pandora and are not endorsed, recommended or guaranteed by First National Bank of Pandora or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.


Workshop To Talk About Health Care In Retirement - September 2016

(Pandora, OH) – There is a lot of talk about saving enough money by the time of retirement to continue the lifestyle you know. What is discussed far less is the need for health care in retirement and the costs that come with it. First National Bank will host a free Health Care Workshop on Thursday, September 29th. The event will take place at the Hilton Garden Inn, located at 1050 Interstate Drive, in Findlay from 5:30-7:30pm.

"Preparation is crucial to retirement, but it can be overwhelming to many, so knowing your options is important no matter what step you are in with retirement," says First National Bank President, Todd Mason. "We want to make sure individuals are provided with the most updated information needed to make decisions about their retirement plans, including health care costs which are often forgotten."

The workshop will feature Ryan Callahan, Regional Vice President of Fidelity Investments, who will speak on affordable coverage options including Medicare, health costs found in retirement and steps you can take to develop a plan prior to retirement.

The event is free and open to the public. Space is limited. For more information about the workshop or to RSVP for the event, call or visit any of our branches in Bluffton, Findlay, Pandora or Ottawa or register on our website at www.e-FNB.com.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

Securities offered through LPL Financial Member FINRA/SIPC. The investment products sold through LPL Financial are not insured First National Bank of Pandora deposits and are not FDIC insured. These products are not obligations of First National Bank of Pandora and are not endorsed, recommended or guaranteed by First National Bank of Pandora or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.


Stacy Joins First National Bank As Agricultural & Business Banker - September 2016

(Pandora, OH) – First National Bank is pleased to announce David Stacy has joined our team as an Agriculture and Business Banker.

Stacy comes to the bank with experience in agricultural lending having worked 3 years as a loan officer for GreenStone Farm Credit in Michigan. He received his degree in Agricultural Economics from The Ohio State University and will receive his M.B.A. from Murray State University in May 2017.

David has been farming for 15 years, most recently harvesting vegetables for processing and grain crops in the Old Fort area. Stacy volunteers with his church, Grace Community Church, in Fremont, where he helps coach an Upward basketball team every winter. David, and his wife Mandy, reside in Old Fort with their two sons.

David will be based in our branch at 855 N Locust Street in Ottawa and can be reached at (419) 523-5500 with any inquiries.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

Workshop To Talk About Health Care in Retirement - August 2016

(Pandora, OH) – There is a lot of talk about saving enough money by the time of retirement to continue the lifestyle you know. What is discussed far less is the need for health care in retirement and the costs that come with it. First National Bank will host a free Health Care Workshop on Thursday, September 29th. The event will take place at the Hilton Garden Inn, located at 1050 Interstate Drive, in Findlay from 5:30-7:30pm.

"Preparation is crucial to retirement, but it can be overwhelming to many, so knowing your options is important no matter what step you are in with retirement," says First National Bank President, Todd Mason. "We want to make sure individuals are provided with the most updated information needed to make decisions about their retirement plans, including health care costs which are often forgotten."

The workshop will feature Ryan Callahan, Regional Vice President of Fidelity Investments, who will speak on affordable coverage options including Medicare, health costs found in retirement and steps you can take to develop a plan prior to retirement.

The event is free and open to the public. Space is limited. For more information about the workshop or to RSVP for the event, call or visit any of our branches in Bluffton, Findlay, Pandora or Ottawa or register on our website at www.e-FNB.com.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

Securities offered through LPL Financial Member FINRA/SIPC. The investment products sold through LPL Financial are not insured First National Bank of Pandora deposits and are not FDIC insured. These products are not obligations of First National Bank of Pandora and are not endorsed, recommended or guaranteed by First National Bank of Pandora or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

First National Bank Names Moes As Mortgage Originator For Findlay Market - July 2016

(Pandora, OH) – First National Bank is pleased to announce Amber Moes has joined our team as Mortgage Originator for our Findlay market.

Moes comes to FNB with 17 years of banking and financial industry experience. She received her degree in Business Management from Owens Community College. In her new role, Moes will oversee the origination of residential loans in Findlay and its surrounding areas.

A native of Findlay, Moes is an active member of her community. She has been an ambassador for the Hancock County Chamber for ten years. Moes has been a member of other local organizations over the years including: Findlay Exchange Club, North Baltimore Rotary, the Referral Rock Stars Chapter of BNI and a 2011 Hancock Leadership Class graduate. Amber, her husband Nick and two children, reside in rural Fostoria.

Amber will be based in our branch at 1630 Tiffin Avenue in Findlay and can be reached at (419) 429-6000 with any inquiries.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.


Basinger Announced as First National Bank Board Member - July 2016

(Pandora, OH) – First National Bank has named Scott L. Basinger to the Board of Directors of First National Bank.

Basinger graduated from Pandora High School in 1988, and obtained a B.B.A. with emphasis in finance from the University of Toledo in 1993. Subsequently, he received his M.B.A. focusing in accounting from the University of Findlay in 1995 and a Doctorate in Juris Prudence from the Ohio Northern University Claude W. Pettit School of Law in 2000. He is licensed to practice law in Ohio, Florida, Hawaii and the District of Columbia and is currently practicing law at his offices located in Pandora and Bluffton, Ohio. He is also a licensed title agent and owner of Blackhoff Title Agency, LLC, located in Bluffton, Ohio and part owner of Golden Key Title Agency, Inc. located in Findlay, Ohio.

Basinger serves as the Village of Pandora Solicitor, on the Ohio State Bar Association Unauthorized Practice of Law (UPL) committee, the Bluffton Preschool Board, the Blanchard Valley Hospital Regional Health Care Foundation Planned Giving Board. Scott has served as an adjunct professor for undergraduate, master's and doctorate levels at Ohio Northern University Law School, University of Findlay and Tiffin University.

Scott and his wife, Kathy, reside in Pandora, Ohio with their daughter. Scott and his family are members of the St. John's Mennonite Church in Pandora, Ohio.

Todd Mason, President and CEO of First National Bank states, "Scott is a great addition to the Board. His background and experience will add strength and a unique perspective to the future of FNB."

Other First National Bank board members include John Arnold, Pete Suter, Jared Lehman, Randy Verhoff and Todd Mason.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

First National Bank Names New Business Banker for Findlay Market - June 2016

(Pandora, OH) – First National Bank is pleased to announce that Matt Leddy has joined our team as Business Banker for our Findlay market.

Leddy, a Findlay native, comes to the bank with ten years of experience. His background includes personal banking, specializing in both business and mortgage lending and financial planning. Matt will help provide local businesses in Findlay and its surrounding area with their banking needs.

A graduate of Bowling Green State University, Leddy obtained his degree in Business Administration with a focus on finance. He was part of a family owned furniture store in Sidney, OH prior to returning to the financial services world at First National Bank. Matt and his wife, Stephanie, currently reside in Findlay.

Leddy will be based at our branch at 1630 Tiffin Avenue in Findlay and can be reached at (419) 429-6000 with any inquiries.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $151MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.

First National Bank Adds 5 New Board and Team Members - March 2015

(PANDORA, OH) - First National Bank is pleased to announce new board member John B. Arnold and the appointment of Chris Alexander as City Executive for the Findlay market. Three new individuals joined the First National Bank family; Dave Walter, System Administrator and Security Officer, Michelle Brandt, Compliance/BSA Officer, and Jen Vastano, Marketing Director.

Arnold is welcomed back to the board of First National Bank having previously served from 2007 to 2009. He has more than thirty years of banking experience including Vice President of Commercial Lending at First National Bank and President and CEO of Fifth Third Bank of Western Ohio. His background involves consumer and commercial lending as well as retail banking. John has served on the Hancock County Community Foundation Finance Committee and was the Service Director for the City of Findlay. John and his wife, Chris, reside in Findlay where they own and operate a small family business. They are the parents of two married children, a daughter and son, and have two grandsons.

Alexander was recently appointed City Executive for the Findlay Market. His education includes an undergraduate degree from Miami University and a master's degree from The Ohio State University. Chris has nearly twenty years of banking experience including eight years with First National Bank. In his new role, Chris will oversee commercial loans and overall bank activity for the Findlay market. Chris is actively involved in the community as President of the Findlay Family YMCA Board of Directors and as a member of the Findlay Rotary. Chris, his wife Nicole, and their two children live in Findlay.

Walter serves First National Bank as Systems Administrator and Security Officer. Dave has an Associate of Science Degree in Computer Forensics from Marion Technical College/The Ohio State University Marion Campus. He has more than nine years of IT Technical Support experience with the Upper Sandusky School District and Marion Technical College. For six years Dave has served as deputy sheriff for Wyandot County and is active in providing his technical skills to charities and non-profits via his computer-support company.

Brandt joins First National Bank as Compliance/BSA Officer. After graduating from Tiffin University with a Business Management degree, Michelle served as a teller, branch manager and personal banker and has accumulated more than eight years of banking experience. She currently serves as an Assistant Den Leader for Cub Scout Pack 309 in Findlay and is a committee member for the Children's Mentoring Connection Bowl for Kids. She has also coached girls' softball. Michelle and her husband, Jason, have two children, a daughter and son.

Vastano serves First National Bank and its customers as Marketing Director. Jen has a bachelor's and master's degree from Bluffton University and brings with her more than twelve years of marketing experience from McDonald's Corporation and a McDonald's Franchisee organization. Her community service has included the board of the Bradfield Community Center, Ronald McDonald House Charities Grant Committee and The Big Day of Serving Planning Committee. Jen, her husband Shawn and their daughter live in Lima where they own a small business.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (PDRB). The Bank was founded in 1919 and is a locally owned community bank with $141MM in assets. The bank has offices in Pandora, Bluffton, Ottawa and Findlay, Ohio. First National Bank is an Equal Housing Lender and Member FDIC. The Bank's website is www.e-fnb.com.


First National Bank Promotes - September 2014

(PANDORA, OH) - The Board of Directors of First National Bank is pleased to announce that Susan Pancake has been promoted to Vice President in her current role as Operations Administrator, Kris Lowry has been promoted to Assistant Vice President in her current role as Findlay West Branch Manager, and Amy Laibe joined First National Bank in December as Marketing Director and has been promoted to Assistant Vice President.

Pancake has more than 25 years of banking experience and is responsible for managing the mortgage and deposit operations staff in the Pandora office. Susan is active in many civic and community activities and is a member of St. Michael the Archangel Church. Susan, her husband Kevin, and son Zac reside in Findlay.

Lowry has over twenty-three years of experience in the real estate and banking industries and is responsible for overseeing loan origination in Hancock and Wood counties. She is active in many civic and community activities in the Findlay Community. She and her husband, Scott Lowry, reside in Findlay and have three adult daughters and two grandsons.

Laibe has over 29 years of experience in Marketing and Management, including eleven years in bank marketing. Amy has an associate degree in Business Administration and an associate degree in Marketing from Northwestern Business College. She is also a graduate of the American Bankers Association Bank Marketing School. Amy volunteers in her community with many organizations and currently serves as President of Ottawa Kiwanis and is a member of Sts. Peter and Paul Church. She resides in Pandora and has three adult children and two grandsons.

First National Bank is a wholly owned subsidiary of Pandora Bancshares (NASDAQ:PDRB). The Bank was founded in 1919 and is a locally owned community bank with $144 million in assets. The bank has five convenient offices in northwest Ohio: Bluffton, Findlay East, Findlay West, Ottawa and Pandora. The Bank's website is www.e-fnb.com. Equal Housing Lender and Member FDIC.


FNB Hosts Bluffton's First Gift-For-Good Exchange - November 2013


First National Bank announced that it will host a Gift-for-Good Exchange during the annual Blaze of Lights celebration in downtown Bluffton next Saturday, November 30th. The Gift-for-Good Exchange will reward Bluffton residents for pledging volunteer hours to one of six local charities. In addition to awarding $10 to $20 Bluffton Chamber gift certificates to residents that complete their pledge hours by January 31st, the event will also celebrate Kasasa® checking and savings products at First National Bank.


Kasasa is the first and only collection of bank accounts that actually takes an interest in account holders by rewarding them for using their account with what interests them most--earning high rates, cash back, automatic savings, or digital downloads from iTunes® or Amazon.com®. Kasasa is exclusively available at only America's finest community financial institutions, including First National Bank.


Join us next Saturday to celebrate!


WHAT: Gift-for-Good Exchange

WHERE: Downtown Bluffton during the annual Blaze of Light celebration

WHEN: Saturday, November 30th from 4pm to 9pm; while supplies last


DETAILS: The first 250 individuals over 18 to pledge a minimum of 2 hours to one of the six participating local charities will be rewarded with a gift bag, and the opportunity to receive a $10 to $20 Bluffton Chamber gift certificate should they complete their volunteer hours by January 31, 2014.


PARTICIPATING CHARITIES: Bluffton Child Development Center, Bluffton Hospital, BFR Sports & Fitness, Bluffton Community Assistance, Bluffton Public Library, and Bluffton Senior Citizens Center.


Matthews Completes Graduate School of Banking - June 2013


Paul W. Barret, Jr. Graduate School of Banking in Memphis, Tennessee recently announced the graduation of Brendon L. Matthews, Senior Vice President and Sales Director of First National Bank. Mr. Matthews was an honors graduate at the recent ceremony.


Fifty-four students completed the three year curriculum and graduated in the 2013 class. The school was held May 19-24 on the campus of Christian Brothers University in Memphis, TN. Joe Miles, Chairman of the Board of Regents of Paul W. Barret, Jr. School of Banking, spoke at the graduation ceremony and congratulated the graduates on behalf of the Board.


In addition to course work, students attended the annual Paul W. Barret, Jr. Lecture Series event. Dr. Robert Gates, 2006-2011 Secretary of Defense, addressed School participants on the topic of leadership.


Paul W. Barret, Jr. Graduate School of Banking has been providing advanced banking education for forty-one years, with a curriculum designed to provide a high degree of understanding of all commercial banking functions. During the three-year program, graduates received 125 hours of classroom instruction and prepared in-depth reports in eight areas of study. Approximately 250 financial industry professionals from twenty sates participated in the 2013 session.


Susan Pancake Joins First National Bank - June 2012


Susan Pancake recently joined the staff of First National Bank as an Operations Administrator.


Susan joins First National with over twenty-five years of banking experience. She is a graduate of Hillsdale College, Hillsdale Michigan. Susan is active in many civic and community activities and is a member of St. Michael the Archangel Church. Susan, her husband, Kevin, and son, Zac, reside in Findlay.


As the Operations Administrator, Susan is responsible for managing the mortgage and deposit operations staff in the Pandora office.


First National Bank celebrates Community Banking Month - April 2012

"I Did My 50!"


Which three local businesses would you miss if they closed their doors? Maybe it's the local deli on the corner where you grab the best sandwiches. Perhaps it's the florist who already seems to know exactly what your wife will love for her birthday – and is good enough to give you a reminder call so you never forget the date. Or is it the hometown movie theater where you can actually afford to take your family out for an evening?


At First National Bank, community banking and supporting local businesses is what it's all about. To celebrate Community Banking month in April, First National Bank employees have unanimously committed to supporting local, independent businesses. The impetus behind the commitment is The 3/50 Project®. This initiative, started by a Minneapolis, Minnesota, business owner in March, 2009, was created to build loyalty and increased revenue for independent, locally owned businesses and relies on a simple message: "Pick 3. Spend 50. Save your local economy."

According to The 3/50 Project (the350project.net), for every $100 spent in locally owned stores, $68 remains in the local economy. In contrast, only $43 of every $100 remains local when spent in national chains, and little or no local revenue results from online purchases. So, during the month of April, every FNB employee has committed to picking three local businesses and spending a total of $50 as a way to keep money in the community, support local business owners, and help local communities thrive.


Todd Mason, President and CEO at First National Bank, is excited about the intent behind the effort: "community banks thrive because they work hand in hand with local business to strengthen local economies. First National provides financial resources to local business, those businesses generate revenue and jobs locally, and the jobs and revenue created allow people in our communities to enjoy a better quality of life. The 3/50 project and the commitment from our team fits perfectly with our corporate mission and is a testament to our employees who have taken it to heart."


First National Bank Receives Bauer's 5-Star 'Superior' Rating - 3/29/2012


First National Bank of Pandora announced that it has once again been awarded a 5-Star ("Superior") Rating from Bauer Financial, Inc., an independent bank rating company. Bauer's 5-Star Rating, their highest performance ranking, represents an independent, unbiased analysis of a financial institution's safety and soundness position. Bauer has been analyzing and reporting the financial condition of the nation's banking industry since 1983.


The Bauer rating is based on a complex analysis of financial criteria including capitalization, asset quality, profitability, liquidity, and risk. The 5-Star Rating indicates that First National Bank is both financially sound and has the resources to deal with a variety of adverse economic conditions. Bauer Financial has its star-rating for every U.S. bank available free of charge at www.bauerfinancial.com.

Cleveland Fed Announces Appointments to Cleveland, Cincinnati, and Pittsburgh Boards and Federal Advisory Council - 1/4/2012


The Federal Reserve Bank of Cleveland announced the following appointments and elections to its main office and branch boards of directors and to the Federal Advisory Council, effective January 1, 2012.


Federal Reserve Bank of Cleveland

Alfred M. Rankin, Jr., chairman, president, and chief executive officer of NACCO Industries, Inc., Cleveland, Ohio, was reappointed chairman of the board of directors of the Federal Reserve Bank of Cleveland for 2012. Rankin has served as chairman of the Cleveland Reserve Bank since 2010 and as a Bank director since 2006. He also served as the Bank's deputy chair from 2007 through 2009.


Richard K. Smucker, chief executive officer, The J.M. Smucker Company, Orrville, Ohio, was reappointed deputy chairman of the board for 2012. Smucker has served as deputy chair since 2010.


Todd A. Mason, president and chief executive officer, First National Bank of Pandora, Pandora, Ohio, was elected a director.


Cincinnati Branch

Peter S. Strange, chairman and chief executive officer, Messer Inc., Cincinnati, Ohio, was appointed chairman of the board of the Cincinnati Branch of the Federal Reserve Bank of Cleveland for 2012. Strange has served as a director of the Cincinnati Branch board since 2008.

Susan Croushore, president and chief executive officer, The Christ Hospital, Cincinnati, Ohio, was appointed a director.


Amos L. Otis, founder, president and chief executive officer, SoBran, Inc., Dayton, Ohio, was appointed a director.


Pittsburgh Branch

Glenn R. Mahone, partner and attorney at law, Reed Smith LLP, Pittsburgh, Pennsylvania, was appointed chairman of the board of the Pittsburgh Branch of the Federal Reserve Bank of Cleveland for 2012. Mahone has served as a director of the Pittsburgh Branch board since 2008.

Charles L. Hammel III, president, PITT OHIO, Pittsburgh, Pennsylvania, was appointed a director.


Dawne S. Hickton, vice chair, president and chief executive officer, RTI International Metals, Inc., Pittsburgh, Pennsylvania, was appointed a director.


Federal Advisory Council

James E. Rohr, chairman and chief executive officer, PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, was reappointed to a one-year term as the Fourth Federal Reserve District's representative on the Federal Advisory Council.

The Federal Advisory Council is composed of representatives of the banking industry from each of the 12 Federal Reserve Districts. The Council consults with and advises the Board of Governors of the Federal Reserve System on general business conditions and issues related to the financial services industry.


The Federal Reserve System

The Federal Reserve Bank of Cleveland is one of 12 regional Reserve Banks that, along with the Board of Governors in Washington, D.C., comprise the Federal Reserve System. As the nation's central bank, the Federal Reserve System formulates U.S. monetary policy, supervises banks and bank holding companies, and provides payment services to financial institutions and to the U.S. government. Payment services include check clearing, electronic payments, and the distribution of currency and coin.


Reserve Bank Directors

Each Reserve Bank's main office has a nine-member board of directors. Three directors are elected by and representative of the stockholding banks in each Federal Reserve District. The other six directors represent the general public, which includes business, agriculture, labor and consumers. Of these, three are elected by member banks and three are appointed by the Federal Reserve's Board of Governors in Washington, D.C.


Directors' responsibilities include making recommendations to the Board of Governors regarding the Federal Reserve's discount rate on primary credit; providing information about regional business conditions to their Reserve Bank president; and overseeing the Bank's budget and finances.


Each Reserve Bank branch has a five- or seven-member board of directors that provides input regarding local business conditions. For a complete list of the members of the boards of directors of the Federal Reserve Bank of Cleveland and its branches, click here. (http://www.clevelandfed.org/about_us/officers_and_boards/index.cfm?DCS.nav=Main.)


Fourth Federal Reserve District

The Federal Reserve Bank of Cleveland, with branches in Cincinnati and Pittsburgh, serves the Fourth Federal Reserve District, which includes Ohio, western Pennsylvania, eastern Kentucky, and the northern panhandle of West Virginia.