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PNB Community Bank

Niceville, FL · Cert 26687 · Bankshares Corp. of Niceville

State charter, non-member · FDIC · 3 branches

Q2 2026

$155.2MAssets
$108.3MLoans
$140.3MDeposits
$13.8MEquity
Loan mix
97%RE $105.3M2%C&I $1.9M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $102.6M27%Noninterest $37.7MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.45%Q2 ’255.48%Q2 ’26+3%+1%

Non-interest income vs. expense

3.61%Q2 ’243.34%Q2 ’253.78%Q2 ’26-13%+10%

Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 1.7% share · #16 of 28 inst. · $0.1B of $8.3B

1.8% Okaloosa
1.5% Walton

Executive Summary

  • Earnings: ROA of 1.12%, down 17 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.04% of loans (-127 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.32%, up 53 bps from a year ago.
  • Funding: loans stand at 77.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%-17 bps YoY

Net Interest Margin (quarter, annualized)

4.60%+4 bps YoY

Efficiency Ratio (quarter, annualized)

71.71%+579 bps YoY

Tier 1 Leverage Ratio

10.32%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.27%1.26%1.37%1.12%-17 bps
Return on Equity15.82%14.77%14.57%15.73%12.57%-324 bps
Net Interest Margin4.55%4.53%4.49%4.53%4.60%+4 bps
Efficiency Ratio65.91%67.42%67.18%65.33%71.71%+579 bps
Non-Interest Burden2.83%2.87%2.82%2.74%3.11%+28 bps
Growth
Asset Growth (YoY)0.20%-1.70%1.64%-2.65%-1.16%-136 bps
Loan Growth (YoY)-0.18%-4.27%-5.62%-7.60%-3.15%-298 bps
Deposit Growth (YoY)-0.27%-2.07%1.02%-3.33%-1.50%-123 bps
Asset Quality
Nonperforming Loans / Loans1.31%0.07%0.06%0.04%0.04%-127 bps
Net Charge-Offs / Loans-0.06%0.10%-0.04%-0.04%0.10%+16 bps
Allowance / Loans1.27%1.28%1.29%1.31%1.29%+1 bps
Allowance Coverage of NPLs1.0x19.4x21.0x33.8x29.6x+28.7x
Capital
Tier 1 Leverage Ratio9.78%9.89%9.75%9.96%10.32%+53 bps
Total Risk-Based Capital9.78%9.89%9.75%9.96%10.32%+53 bps
Equity / Assets8.31%8.84%8.47%8.95%8.91%+61 bps
Liquidity & Funding
Loans / Deposits78.47%79.17%76.27%77.50%77.15%-132 bps
Liquid Assets / Assets5.32%3.28%5.68%3.96%4.88%-43 bps
CRE / Total Capitaln/a289%296%297%n/an/a