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Who We Are

When First National Bank was founded over 100 years ago, we were established as an independent community bank to support area residents and businesses. In the years since we have grown in services and the number of branches but our commitment to our mission remains the same.



Our Mission

We are focused on building lifelong relationships with our customers and communities. We know our work begins and ends with those in our local areas. Our mission is to improve lives through community banking.

Our Vision

First National Bank is a team of Trusted Advisors who work alongside our neighbors and empowers them to achieve their dreams.

Standards of Service

  • Greet every customer by name
  • Thank every customer we help
  • Return every phone call within one business day
  • Take responsibility for customer questions
  • Introduce new customers to a co-worker
  • If we make a promise to you, we will keep it
  • Be proactive and offer solutions to customers’ problems.

Our History

In the fall of 1918, a small group of people believed that it would be beneficial to the community of Pandora to look toward the future. In 1919, First National Bank was chartered. Thirty people consented to be stockholders and seven were chosen to serve as members of the Board of Directors. The bank founders decided upon three ideals for successful banking:

  • A good bank must be owned and operated largely by people of the community themselves.
  • A good and successful bank can be organized only where there are strong and constant economic resources.
  • That the success of a rural bank can only be assured by community loyalty, sustained by a high-grade citizenship, supported by morals and religion.

Over 100 years have passed and First National Bank still prides itself on these original banking successes. Since then, the bank has gone through many stages of development, including several expansions and remodeling in Bluffton, Findlay, Lima and Ottawa. The bank continues to maintain a special emphasis on serving families, small businesses and local farmers.

First National Bank is a member of the Ohio Bankers League (OBL) and the Independent Community Bankers of America (ICBA).





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