Pacific National Bank
Miami, Florida, Miami-Dade County
$1.6B in total assets, the 715th largest of 4,309 US banks and 24th of 84 headquartered in Florida.
- FDIC certificate
- 26299
- Established
- 1985
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- www.pnb.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 33% | $2.4B | |
| Loans | $976M | 29% | $1.6B | |
| Deposits | $1.3B | 29% | $2.1B | |
| Return on assets | 1.14% | 38% | 1.24% | |
| Net interest margin | 3.43% | 21% | 3.54% | |
| Efficiency ratio | 55.3% | 42% | 58.6% | |
| Equity to assets | 10.67% | 88% | 9.63% | |
| Loans to deposits | 73% | 38% | 77% |
Growth
Total assets grew 13.8% a year over the last 5 years and 13.3% a year over 10 years, without acquisitions.
Where they operate
8 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $1.2B | 0.6% | 28 of 58 |
| Palm Beach County, FL | $59M | 0.1% | 39 of 56 |
| Broward County, FL | $34M | 0.0% | 41 of 43 |
| New York County, NY | $20M | 0.0% | 76 of 83 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (2 to 8, +300.0%). 6 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2017 | Opened Miami | 1 | 0 | +1 | 3 |
| 2023 | Opened Boca Raton | 1 | 0 | +1 | 4 |
| 2025 | Opened 4 in 2 states | 4 | 0 | +4 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 54% | 36% | |
| Construction and land | 12% | 5% | |
| 1-4 family residential | 10% | 29% | |
| Business (C&I) | 10% | 17% | |
| Multifamily | 7% | 5% | |
| Consumer | 1% | 4% | |
| Other | 6% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 55% | |
| Time deposits | 39% | 21% | |
| Noninterest-bearing | 19% | 25% |
Brokered deposits are 4.2% of deposits (peers 5.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.01% | 0.32% |
| Net charge-offs, annualized | 0.05% | 0.03% |
| Reserves to loans | 0.68% | 1.20% |
| Leverage ratio | 10.80% | 9.97% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/pacific-national-bank-miami-fl