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
Unfavorable gap of $25.9M · efficiency ratio beats 65% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.93% | 1.26% | 1.54% | Beats 38% | 110 / 176 | | |
| Return on Equity | 10.22% | 9.26% | 11.89% | 14.46% | Beats 36% | 112 / 176 | | |
| Net Interest Margin | 3.16% | 3.25% | 3.59% | 3.93% | Beats 18% | 144 / 176 | | |
| Efficiency Ratio | 55.31% | 52.79% | 59.55% | 67.66% | Beats 65% | 63 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.30% | 0.64% | 1.32% | Beats 99% | 3 / 176 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 60% | 71 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 15.31% | 11.15% | 12.72% | 14.15% | Beats 86% | 25 / 176 | | |
| Total Risk-Based Capital Ratio | 15.94% | 11.81% | 13.63% | 15.33% | Beats 82% | 32 / 176 | | |
| Equity / Assets | 10.67% | 9.16% | 10.35% | 11.80% | Beats 55% | 79 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.48% | 80.94% | 89.73% | 97.21% | 11th pctl | 157 / 176 | | |
| Loans / Assets | 60.58% | 69.25% | 75.12% | 80.82% | 7th pctl | 164 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |