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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 $0.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $1.1B19%Noninterest $0.2BQ3 2024Q2 2026

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 1.18%, up 42 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.18%+42 bps YoY

Net Interest Margin (quarter, annualized)

3.26%0 bps YoY

Efficiency Ratio (quarter, annualized)

53.88%-757 bps YoY

Tier 1 Leverage Ratio

10.80%-80 bps YoY

NIM

5.86%Q2 ’246.14%Q2 ’255.87%Q2 ’26+7%+0%

Non-interest income vs. expense

1.80%Q2 ’242.06%Q2 ’251.91%Q2 ’26+25%-17%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%1.47%1.02%0.76%1.11%1.14%1.12%1.18%+42 bps
Return on Equity6.71%12.93%8.91%6.71%10.05%10.40%10.18%10.86%+415 bps
Net Interest Margin3.22%3.20%3.28%3.25%3.22%3.34%3.27%3.26%0 bps
Efficiency Ratio58.97%46.98%57.73%61.46%57.30%57.66%56.85%53.88%-757 bps
Non-Interest Burden1.96%1.23%1.85%1.96%1.76%1.82%1.75%1.62%-34 bps
Growth
Asset Growth (YoY)6.90%7.19%7.59%10.23%13.23%13.04%13.36%17.32%+708 bps
Loan Growth (YoY)9.17%5.26%8.43%2.16%3.35%8.25%7.97%11.27%+911 bps
Deposit Growth (YoY)5.75%8.07%8.99%11.63%17.05%13.22%12.03%19.13%+750 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.02%0.00%0.00%0.00%0.02%0.01%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.11%0.00%0 bps
Allowance / Loans0.70%0.72%0.73%0.80%0.78%0.73%0.67%0.68%-12 bps
Allowance Coverage of NPLs30.1x30.5xn/an/an/a32.9x46.1x47.8xn/a
Capital
Tier 1 Leverage Ratio11.59%11.48%11.54%11.60%11.12%11.22%11.23%10.80%-80 bps
Total Risk-Based Capital16.62%16.61%16.40%16.19%16.20%16.12%16.03%15.94%-25 bps
Equity / Assets11.23%11.50%11.40%11.26%10.87%11.05%11.01%10.67%-59 bps
Liquidity & Funding
Loans / Deposits83.78%80.26%80.07%78.67%73.97%76.73%77.17%73.48%-519 bps
Liquid Assets / Assets9.58%9.19%9.82%8.92%10.88%6.82%6.49%9.06%+14 bps
CRE / Total Capitaln/an/an/an/a407%412%413%n/an/a