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Pacific National Bank
Miami, FL · FDIC Certificate #26299 · Chartered 07/2
Total assets
$1.61B
Total deposits
$1.33B
Total equity
$171.84M
Net loans
$968.92M
Branches (offices)
8
Net income (YTD)
$8.78M
Rank: #698 of 4,213 U.S. banks by assets · #23 of 81 in Florida. Assets changed 17.3% and deposits 19.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 10.52% |
| Net interest margin (YTD) | 3.43% |
| Equity to assets | 10.67% |
| Tier 1 leverage ratio | 10.80% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.01% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 73.0% |
| Real estate loans (share of loans) | 83.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $810.85M | 83.7% | |
| Commercial & industrial | $94.48M | 9.8% | |
| Consumer / individual | $11.06M | 1.1% | |
| Construction & development | $113.75M | 11.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $912.75M | $3.98M | $98.79M |
| Jun 2023 | $1.18B | $959.38M | $7.19M | $126.93M |
| Jun 2024 | $1.25B | $998.27M | $6.23M | $143.60M |
| Jun 2025 | $1.37B | $1.11B | $5.93M | $154.59M |
| Jun 2026 | $1.61B | $1.33B | $8.78M | $171.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.31B | 6 |
| New York | $19.86M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.33B.
Similar-sized banks
The State Bank And Trust Company ($1.61B) · Bom Bank ($1.61B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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