BlastPoint's Banking Scorecard

PNB Community Bank

$100M-$1B Specialty: Commercial FL FDIC cert 26687

Niceville, FL

3 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

PNB Community Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.91% above tier average
+ ROA 0.10% above tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 3.9% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$154.7M -2.6% YoY -1.9% QoQ	-$231.4M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$106.7M -7.7% YoY -0.9% QoQ	-$149.0M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$139.5M -3.3% YoY -2.5% QoQ	-$188.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.37% +10.7% YoY +8.3% QoQ	+0.10%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	4.84% -1.2% YoY -0.2% QoQ	+0.91%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Top 10.0% in tier
Efficiency Ratio ?	65.33% -3.6% YoY -2.6% QoQ	+0.04%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.04% -98.7% YoY -36.7% QoQ	-0.85%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	76.48% -4.5% YoY +1.6% QoQ	-0.16%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	25.84% +3.0% YoY -3.1% QoQ	+3.82%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.03% -98.8% YoY -36.1% QoQ	-0.61%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	9.96% +4.2% YoY +2.2% QoQ	-5.87%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 9.3% in tier
Non-Interest Income / Assets ?	0.16% +45.2% YoY -69.2% QoQ	-0.12%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Capital Thin

risk

#27 of 666 • Bottom 3.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.96%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

267

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#267 of 2664 Top 10.0% in $100M-$1B

486

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#486 of 2664 Top 18.2% in $100M-$1B

502

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#502 of 2654 Top 18.9% in $100M-$1B

591

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#591 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (4 metrics)

2416

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.83%

#2416 of 2664 Bottom 9.3% in $100M-$1B

2252

Total Assets

size

Value: $154.69M

Peer Median: $386.08M

#2252 of 2664 Bottom 15.5% in $100M-$1B

2185

Total Deposits

size

Value: $139.55M

Peer Median: $327.97M

#2185 of 2664 Bottom 18.0% in $100M-$1B

2086

Total Loans

size

Value: $106.73M

Peer Median: $255.72M

#2086 of 2664 Bottom 21.7% in $100M-$1B