Pacific National Bank
Pacific National Bank is an FDIC-insured commercial bank headquartered in Miami, FL, supervised by the OCC, with $1.72B in total assets at Q3 2026, up 17.6% from Q3 2025, the 22nd largest of 81 banks headquartered in Florida. It was established in 1985 and holds FDIC certificate 26299. Its CET1 capital ratio was 15.00% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as PNB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26299
- Headquarters
- Miami, FL
- Established
- 1985
- Total assets, Q3 2026
- $1.72B
- Assets vs Q3 2025
- +17.6%
- CET1 ratio, Q3 2026
- 15.00%
- Domestic offices
- 8 branches
- Routing number
- 066011350
- Safety and soundness
- Is Pacific National Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Pacific National Bank call report
- Asset rank in state
- 22nd of 81 in Florida
Pacific National Bank pays more for its money than most banks of its size. Based in Miami, Florida, it had $1.7 billion in assets at September 30, 2026, up 17.6% from a year earlier. It pays an average of 3.00% on its deposits and borrowings, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 2.05%). It also holds commercial real estate loans worth 3.8 times its capital, higher than about 9 in 10 banks its size (median 2.3 times).
Earnings jumped: net income for the quarter was $5.3 million, 36% above the same quarter a year earlier.
As of September 30, 2026, Pacific National Bank reported a CET1 capital ratio of 15.00%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
Pacific National Bank ranks as the 22nd largest of the 81 banks based in Florida, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 6.5% to $1.72B, loans rose 5.3% and deposits rose 5.9%. Non-owner-occupied commercial real estate loans made up 47.2% of its total loans on September 30, 2026, its largest category; next came construction and land development loans at 12.4%. The FDIC Summary of Deposits lists 8 offices for it, in 5 cities across 2 states; its Miami 3 offices book 84% of its branch deposits. Judged on its Q3 2026 call report, Pacific National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1390 Brickell Ave, Miami, FL 33131
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 22, 1985
- Domestic offices
- 8 branches
- Employees (FTE)
- 142
- Domestic deposits
- $1.41B
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $254K
- Average total assets
- $1.59B
- Average total loans
- $1.01B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 22, 1985
- FDIC Cert
- 26299
- Fed RSSD
- 577137
- Website
- www.pnb.com →
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Pacific National Bank's total assets ranged from $1.22B (Q4 2023) to $1.72B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.72B total assets against $1.46B; $1.54B total liabilities against $1.30B.
$1.02B net loans and leases against $885.3M; $1.41B total deposits against $1.21B.
$438.2M securities against $348.6M; $197.1M cash and balances due against $173.8M.
$24.6M total interest income against $22.1M; $11.0M total interest expense against $10.7M.
$13.7M net interest income against $11.5M.
$1.7M total noninterest income against $677K; $7.6M total noninterest expense against $7.0M.
$318K provision for credit losses against -$117K.
$5.3M net income against $3.9M.
1.35% return on assets against 1.10%; 3.45% net interest margin against 3.36%.
15.00% CET1 capital ratio against 15.47%; 11.13% tier 1 leverage ratio against 11.12%.
Inside the full Pacific National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Pacific National Bank rankings
Its closest position to the top of a national ranking is 666 of 4,193, for total assets; its furthest is 3,066 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.77% (Q2 2025) to 1.47% (Q4 2024) and its net interest margin ran from 3.34% (Q4 2024) to 3.48% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.00% | 1.35% | 0.07% | 0.38% | 3.45% |
| Q2 2026 | 15.31% | 1.16% | 0.01% | 0.08% | 3.38% |
| Q1 2026 | 15.40% | 1.13% | 0.01% | 0.08% | 3.39% |
| Q4 2025 | 15.44% | 1.15% | 0.02% | 0.12% | 3.48% |
| Q3 2025 | 15.47% | 1.10% | 0.00% | 0.00% | 3.36% |
| Q2 2025 | 15.43% | 0.77% | 0.00% | 0.00% | 3.40% |
| Q1 2025 | 15.70% | 1.02% | 0.00% | 0.00% | 3.43% |
| Q4 2024 | 15.90% | 1.47% | 0.02% | 0.13% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pacific National Bank (main office) | Miami , FL | 33131 | $969.9M |
| Aventura Branch | Miami , FL | 33160 | $108.5M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $103.8M |
| Boca Raton Branch | Boca Raton , FL | 33431 | $59.5M |
| Weston Branch | Weston , FL | 33326 | $34.1M |
| Pinecrest Branch | Miami , FL | 33176 | $31.9M |
| New York Branch | New York , NY | 10019 | $19.9M |
| 56th Street Branch | New York , NY | 10019 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 7 against the institution (OCC); 5 against individuals associated with it
- March 23, 2011, OCC: Civil Money Penalty (CMP): Pacific National Bank
- December 15, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Pacific National Bank
- September 29, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Pacific National Bank
- February 12, 2009, OCC: Formal Agreement: Pacific National Bank
- December 16, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Pacific National Bank
- Period: Most recent institution action March 23, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in FL, rank 58 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $5.1M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pacific National Bank
What are Pacific National Bank's total assets?
As of the Q3 2026 filing, Pacific National Bank reported total assets of $1.72 billion in its FFIEC call report.
Where is Pacific National Bank headquartered?
It is headquartered in Miami, FL, United States.
When was Pacific National Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Pacific National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pacific National Bank?
Pacific National Bank's primary federal regulator is the OCC.
What is Pacific National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.00% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pacific National Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pacific National Bank's Texas Ratio?
Its Texas Ratio is 0.38% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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