PNB Community Bank
Niceville, FL · Cert 26687 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 90% of banks under $1B in assets operating in a single state (rank 74 of 746).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets operating in a single state (rank 665 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 268 of 746
Net Interest Margin
4.62%
Rank 74 of 746
Efficiency Ratio
68.51%
Rank 442 of 746
Equity / Assets
8.91%
Rank 557 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.72% | 1.06% | 1.45% | Beats 64% | 268 / 746 | | |
| Return on Equity | 14.03% | 6.74% | 10.51% | 13.63% | Beats 77% | 170 / 746 | | |
| Net Interest Margin | 4.62% | 3.17% | 3.68% | 4.16% | Beats 90% | 74 / 746 | | |
| Efficiency Ratio | 68.51% | 55.74% | 64.58% | 75.47% | Beats 41% | 442 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 159 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 513 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.55% | 13.75% | 17.60% | Beats 12% | 657 / 746 | | |
| Total Risk-Based Capital Ratio | 10.32% | 11.71% | 14.33% | 18.43% | Beats 11% | 665 / 746 | | |
| Equity / Assets | 8.91% | 8.90% | 10.51% | 13.06% | Beats 25% | 557 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.15% | 61.31% | 78.27% | 90.78% | 48th pctl | 389 / 746 | | |
| Loans / Assets | 69.77% | 53.60% | 66.97% | 76.08% | 57th pctl | 321 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |