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Pnb Community Bank
Niceville, FL · FDIC Certificate #26687 · Chartered 06/1
Total assets
$155.17M
Total deposits
$140.33M
Total equity
$13.83M
Net loans
$106.87M
Branches (offices)
3
Net income (YTD)
$970.00K
Rank: #3,267 of 4,213 U.S. banks by assets · #72 of 81 in Florida. Assets changed -1.2% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 14.18% |
| Net interest margin (YTD) | 4.84% |
| Equity to assets | 8.91% |
| Tier 1 leverage ratio | 10.32% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 76.2% |
| Real estate loans (share of loans) | 98.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $105.59M | 98.8% | |
| Commercial & industrial | $1.70M | 1.6% | |
| Consumer / individual | $966.00K | 0.9% | |
| Construction & development | $18.86M | 17.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $147.66M | $134.92M | $444.00K | $10.38M |
| Jun 2023 | $149.23M | $136.09M | $970.00K | $11.14M |
| Jun 2024 | $156.68M | $142.86M | $840.00K | $11.92M |
| Jun 2025 | $157.00M | $142.47M | $997.00K | $13.04M |
| Jun 2026 | $155.17M | $140.33M | $970.00K | $13.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $140.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $140.33M.
Similar-sized banks
Del Norte Bank ($155.28M) · Graham Savings And Loan, SSB ($155.09M)
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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