PackageTrendsPeer
Letter portraitLegal landscape

Pacific National Bank

Miami, FL · Cert 26299

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pacific National Bank

Miami, FL · Cert 26299

National charter · OCC · 8 branches

Q2 2026

$1.6BAssets
$975.5MLoans
$1.3BDeposits
$171.8MEquity
Loan mix
84%RE $792.7M16%C&I $155.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $1.1B19%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.74%Q2 ’246.09%Q2 ’255.69%Q2 ’26+9%-3%

Non-interest income vs. expense

1.88%Q2 ’242.00%Q2 ’251.89%Q2 ’26+20%-14%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.4% share · #37 of 86 inst. · $1.3B of $348.8B

0.6% Miami-Dade
0.1% Palm Beach
0.0% Broward
0.0% New York

Executive Summary

  • Earnings: ROA of 1.15%, up 26 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.80%, down 80 bps from a year ago.
  • Funding: loans stand at 73.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.16%-9 bps YoY

Efficiency Ratio (YTD, annualized)

55.31%-429 bps YoY

Tier 1 Leverage Ratio

10.80%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.96%1.01%1.12%1.15%+26 bps
Return on Equity7.80%8.56%9.03%10.18%10.52%+271 bps
Net Interest Margin3.25%3.10%3.12%3.27%3.16%-9 bps
Efficiency Ratio59.60%58.79%58.48%56.85%55.31%-429 bps
Non-Interest Burden1.89%1.77%1.76%1.75%1.63%-26 bps
Growth
Asset Growth (YoY)10.23%13.23%13.04%13.36%17.32%+708 bps
Loan Growth (YoY)2.16%3.35%8.25%7.97%11.27%+911 bps
Deposit Growth (YoY)11.63%17.05%13.22%12.03%19.13%+750 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.11%0.05%+5 bps
Allowance / Loans0.80%0.78%0.73%0.67%0.68%-12 bps
Allowance Coverage of NPLsn/an/a32.9x46.1x47.8xn/a
Capital
Tier 1 Leverage Ratio11.60%11.12%11.22%11.23%10.80%-80 bps
Total Risk-Based Capital16.19%16.20%16.12%16.03%15.94%-25 bps
Equity / Assets11.26%10.87%11.05%11.01%10.67%-59 bps
Liquidity & Funding
Loans / Deposits78.67%73.97%76.73%77.17%73.48%-519 bps
Liquid Assets / Assets8.92%10.88%6.82%6.49%9.06%+14 bps
CRE / Total Capitaln/a407%412%413%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pacific National Bank

Miami, FL · Cert 26299 · Peer group: banks $1B-$10B in assets operating regionally (n=176)

National charter · OCC · 8 branches

Q2 2026

$1.6BAssets
$975.5MLoans
$1.3BDeposits
$171.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 99% of banks $1B-$10B in assets operating regionally (rank 3 of 176).
  • Widest gap: net interest margin trails 82% of banks $1B-$10B in assets operating regionally (rank 144 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.09%

Rank 110 of 176

Net Interest Margin

3.16%

Rank 144 of 176

Efficiency Ratio

55.31%

Rank 63 of 176

Equity / Assets

10.67%

Rank 79 of 176

Non-interest income vs. expense

$4.2M$30.0MINCOMEEXPENSE
Unfavorable gap of $25.9M · efficiency ratio beats 65% of banks $1B-$10B in assets operating regionally
Bank 55.31%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.93%1.26%1.54%Beats 38%110 / 176
Return on Equity10.22%9.26%11.89%14.46%Beats 36%112 / 176
Net Interest Margin3.16%3.25%3.59%3.93%Beats 18%144 / 176
Efficiency Ratio55.31%52.79%59.55%67.66%Beats 65%63 / 176
Asset Quality
Nonperforming Loans / Loans0.01%0.30%0.64%1.32%Beats 99%3 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 60%71 / 176
Capital
Tier 1 Capital Ratio15.31%11.15%12.72%14.15%Beats 86%25 / 176
Total Risk-Based Capital Ratio15.94%11.81%13.63%15.33%Beats 82%32 / 176
Equity / Assets10.67%9.16%10.35%11.80%Beats 55%79 / 176
Liquidity & Funding
Loans / Deposits73.48%80.94%89.73%97.21%11th pctl157 / 176
Loans / Assets60.58%69.25%75.12%80.82%7th pctl164 / 176
Brokered Deposits / Depositsn/aNot reported for this institution