PNB Community Bank
Niceville, FL · Cert 26687 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Bankshares Corp. of Niceville
State charter, non-member · FDIC · 3 branches
Q2 2026
$155.2MAssets
$108.3MLoans
$140.3MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets operating in a single state (rank 79 of 752).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 672 of 752).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 273 of 752
Net Interest Margin
4.62%
Rank 79 of 752
Efficiency Ratio
68.51%
Rank 448 of 752
Equity / Assets
8.91%
Rank 566 of 752
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.72% | 1.07% | 1.45% | Beats 64% | 273 / 752 | |
| Return on Equity | 14.03% | 6.78% | 10.58% | 13.65% | Beats 77% | 171 / 752 | |
| Net Interest Margin | 4.62% | 3.18% | 3.69% | 4.17% | Beats 89% | 79 / 752 | |
| Efficiency Ratio | 68.51% | 55.75% | 64.49% | 75.47% | Beats 41% | 448 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.03% | Beats 79% | 158 / 748 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 32% | 510 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.55% | 13.75% | 17.60% | Beats 12% | 663 / 752 | |
| Total Risk-Based Capital Ratio | 10.32% | 11.70% | 14.33% | 18.47% | Beats 11% | 672 / 752 | |
| Equity / Assets | 8.91% | 8.93% | 10.56% | 13.13% | Beats 25% | 566 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 77.15% | 62.23% | 78.64% | 91.26% | 47th pctl | 399 / 752 | |
| Loans / Assets | 69.77% | 54.61% | 67.41% | 76.47% | 56th pctl | 330 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |