BanksPNB COMMUNITY BANK

PNB COMMUNITY BANK

NICEVILLE, FLSmallEst. June 16, 1986, midnightFDIC #26687RSSD #483537FDIC
Latest · 2025-12-31

PNB COMMUNITY BANK is an FDIC-insured commercial bank headquartered in NICEVILLE, FL, established in June 16, 1986, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $143M. Profitability stands at 1.26% ROA and 14.57% ROE, with a net interest margin of 4.96%. CET1 capital ratio: 8.47%. NPL ratio: 0.04% · Texas Ratio: 0.30%. Operates 3 domestic branches.

Assets
$158M
Deposits
$143M
Loans
$109M
Equity
$13M

Profitability

Return on Assets (ROA)1.26%
Return on Equity (ROE)14.57%
Net Interest Margin4.96%
Yield on Assets6.00%
Cost of Funds1.06%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.02%
Texas Ratio0.30%
NPA Ratio0.03%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio8.47%
Tier 1 Capital8.47%
Total Capital Ratio8.90%
Leverage Ratio9.75%
Loan-to-Deposit76.27%

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