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Pacific National Bank

$1B-$10B Specialty: Commercial FL FDIC cert 26299

Miami, FL

8 branches across FL · NY

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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits +19.1% year over year ($1.3B on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.15%.
  • Efficiency ratio 55.31% vs a 59.73% peer average.
  • Loan-to-deposit ratio 72.98% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

Pacific National Bank has 3 strengths but faces 3 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 0.85% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 4.42% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.6% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.44% below tier average
Get updates when Pacific National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $1.6B
+17.3% YoY +6.4% QoQ
-$1.2B $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $968.9M
+11.4% YoY +2.8% QoQ
-$994.3M $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $1.3B
+19.1% YoY +8.0% QoQ
-$991.2M $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 1.15%
+29.1% YoY +2.1% QoQ
-0.24% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.43%
+0.7% YoY +0.4% QoQ
-0.44% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 55.31%
-7.2% YoY -2.7% QoQ
-4.42% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.01%
-2.8% QoQ
-0.85% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
Top 4.8% in tier
Loan-to-Deposit Ratio ? 72.98%
-6.5% YoY -4.8% QoQ
-12.05% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 18.70%
+8.8% YoY +9.4% QoQ
-2.57% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.01%
-6.0% QoQ
-0.67% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
Top 4.1% in tier
Tier 1 Capital Ratio ? 15.31%
-0.8% YoY -0.6% QoQ
+0.47% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.13%
+152.9% YoY +115.9% QoQ
-0.40% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 14.2% in tier

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 (FL) National Avg Tier Percentile
Noninterest-Bearing 18.7%
+1.5pp YoY
+1.6pp QoQ
 -2.7pp 21.4% 27.7% 22.2% 43%
Brokered Deposits 4.2%
-2.5pp YoY
-1.2pp QoQ
 -5.3pp 9.5% 8.7% 8.5% 42%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 9.8%
-7.5pp YoY
-6.7pp QoQ
 -4.3pp 14.0% 12.9% 12.5% 43%
CRE 73.6%
+0.1pp YoY
+0.4pp QoQ
 +23.6pp 50.0% 50.6% 41.4% 92%
1-4 Family 10.1%
+0.1pp YoY
-0.9pp QoQ
 -16.3pp 26.4% 30.7% 31.3% 17%
Consumer 1.1%
+1.1pp YoY
+1.1pp QoQ
 -3.6pp 4.7% 3.7% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 15.3%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 15.6% 19.8% 19.7% 73%
Leverage Ratio 10.8%
-0.8pp YoY
-0.4pp QoQ
 -0.5pp 11.3% 13.9% 12.6% 56%
Total Capital Ratio 15.9%
-0.2pp YoY
-0.1pp QoQ
 -0.8pp 16.7% 21.1% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 144
+4 (+2.9%) YoY
+3 (+2.1%) QoQ
 -170 313 295 482 20%
Assets per Employee ($) $11.2M
+14.1% YoY
+4.2% QoQ
 +$700K $10.5M $10.3M $8.8M 73%
Branch Count 8
+3 (+60.0%) YoY
0 QoQ
 -12 20 13 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.8pp 0.8% 0.7% 1.0% 2%
Allowance Coverage 47.82x
+3.7% QoQ
 +29.11x 18.71x 16.62x 20.23x 96%
Net Charge-off Rate (YTD) 0.1%
-0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 10.5%
+2.7pp YoY
+0.3pp QoQ
 -2.1pp 12.6% 9.3% 11.6% 37%
Cost of Funds (YTD) 2.8%
-0.2pp YoY
0.0pp QoQ
 +0.8pp 1.9% 1.8% 1.7% 91%
Net Income ($, YTD) $8.8M
+48.0% YoY
— QoQ
 -$10.5M $19.2M $25.2M $40.4M 33%

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 (1)

Credit Quality Pressure

risk
#9 of 492 • Bottom 1.6% in tier

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

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

37
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#37 of 885 Top 4.1% in $1B-$10B
43
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.87%
#43 of 882 Top 4.8% in $1B-$10B
179
Loan-to-Deposit Ratio
liquidity
Value: 72.98%
Peer Median: 85.04%
#179 of 885 Top 20.1% in $1B-$10B
211
Tier 1 Capital Ratio
capital
Value: 15.31%
Peer Median: 14.84%
#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (1 metrics)

760
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.53%
#760 of 885 Bottom 14.2% in $1B-$10B
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