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PNB Community Bank

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

Niceville, FL

3 branches across FL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -1.5% year over year ($140.3M on the books).
  • Delinquency rate 0.04%.
  • Return on assets 1.24%.
  • Efficiency ratio 68.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.16% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

PNB Community Bank has 2 strengths but faces 5 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

  • + Net Interest Margin 0.86% above tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.0% in tier
  • - Flatlined Growth: Bottom 37.2% in tier
  • - Deposit Outflow: Bottom 42.1% in tier
  • - ROA 0.08% below tier average
  • - Efficiency Ratio 4.03% above tier average
Get updates when PNB Community 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 ? $155.2M
-1.2% YoY +0.3% QoQ
-$231.4M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $106.9M
-3.2% YoY +0.1% QoQ
-$151.5M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $140.3M
-1.5% YoY +0.6% QoQ
-$186.4M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.24%
-2.0% YoY -9.1% QoQ
-0.08% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 4.84%
-1.0% YoY +0.1% QoQ
+0.86% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Top 11.1% in tier
Efficiency Ratio ? 68.51%
+2.5% YoY +4.9% QoQ
+4.03% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.04%
-96.7% YoY +11.8% QoQ
-0.87% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 76.16%
-1.7% YoY -0.4% QoQ
-1.80% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 26.87%
-2.6% YoY +4.0% QoQ
+4.84% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.03%
-96.8% YoY +11.6% QoQ
-0.64% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 10.32%
+5.4% YoY +3.6% QoQ
-5.59% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Bottom 14.6% in tier
Non-Interest Income / Assets ? 0.33%
+35.6% YoY +103.3% QoQ
-0.23% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
77%

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 26.9%
-0.7pp YoY
+1.0pp QoQ
 +4.7pp 22.1% 27.7% 22.2% 72%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 1.6%
0.0pp YoY
-0.2pp QoQ
 -10.0pp 11.6% 12.9% 12.5% 5%
CRE n/a n/a 39.5% 50.6% 41.4% n/a
1-4 Family 54.8%
-2.0pp YoY
+0.5pp QoQ
 +22.2pp 32.6% 30.7% 31.3% 86%
Consumer 0.9%
+0.2pp YoY
0.0pp QoQ
 -3.2pp 4.1% 3.7% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.8% 19.7% n/a
Leverage Ratio 10.3%
+0.5pp YoY
+0.4pp QoQ
 -1.9pp 12.2% 13.9% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 21.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 37
-3 (-7.5%) YoY
-4 (-9.8%) QoQ
 -22 58 295 482 37%
Assets per Employee ($) $4.2M
+6.9% YoY
+11.2% QoQ
 -$3.3M $7.5M $10.3M $8.8M 6%
Branch Count 3
0 YoY
0 QoQ
 -2 4 13 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 35%
Nonaccrual 0.0%
-1.3pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 2%
Allowance Coverage 29.64x
+2949.1% YoY
-12.3% QoQ
 +5.48x 24.15x 16.62x 20.23x 91%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 14.2%
-1.7pp YoY
-1.6pp QoQ
 +2.0pp 12.2% 9.3% 11.6% 63%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.8% 1.7% 8%
Net Income ($, YTD) $970,000
-2.7% YoY
— QoQ
 -$1.6M $2.6M $25.2M $40.4M 26%

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 (3)

Capital Thin

risk
#74 of 661 • Bottom 11.0% 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: 10.32%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#198 of 529 • Bottom 37.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Deposit Outflow

decline
#226 of 535 • Bottom 42.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

295
Net Interest Margin
profitability
Value: 4.84%
Peer Median: 3.99%
#295 of 2643 Top 11.1% in $100M-$1B
475
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#475 of 2643 Top 17.9% in $100M-$1B
518
Delinquency Rate
credit_quality
Value: 0.04%
Peer Median: 0.92%
#518 of 2633 Top 19.6% in $100M-$1B
602
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#602 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (4 metrics)

2257
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.91%
#2257 of 2643 Bottom 14.6% in $100M-$1B
2231
Total Assets
size
Value: $155.17M
Peer Median: $386.57M
#2231 of 2643 Bottom 15.6% in $100M-$1B
2160
Total Deposits
size
Value: $140.33M
Peer Median: $326.73M
#2160 of 2643 Bottom 18.3% in $100M-$1B
2089
Total Loans
size
Value: $106.87M
Peer Median: $258.35M
#2089 of 2643 Bottom 21.0% in $100M-$1B
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