PACIFIC NATIONAL BANK

MIAMI, FL | Large | Est. July 22, 1985, midnight | FDIC #26299 | RSSD #577137 | OCC
Latest Report: 2025-12-31

PACIFIC NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in MIAMI, FL, established in July 22, 1985, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.2B. Profitability stands at 1.17% ROA and 10.69% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.12%. FDIC Certificate #26299.

Assets

$1.5B

Deposits

$1.2B

Loans

$924M

Equity

$163M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 10.69%
Net Interest Margin (NIM) 3.59%
Yield on Assets 6.57%
Cost of Funds 3.93%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio --
Texas Ratio 0.12%
NPA Ratio 0.01%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 15.45%
Tier 1 Capital 15.45%
Total Capital Ratio 16.13%
Leverage Ratio 11.23%
Loan-to-Deposit 76.73%

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