Pacific National Bank: Asset Quality
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Data as of · Call Report Schedules RC-N and RI-B How we update
On its Q3 2026 filing, Pacific National Bank reported 32 of the 33 line items on this page. It did not report net charge-offs, automobile loans. Nonperforming loans to total loans was 0.07% in Q3 2026, up 0.07 percentage points from 0.00% in Q3 2025. Across the 12 quarters shown it ranged from 0.00% (Q3 2025) to 0.61% (Q4 2023).
The largest change between Q2 2026 and Q3 2026 was in Allowance for credit losses on loans, which rose 5.5% to $7.0M. Pacific National Bank has the 26th-lowest nonperforming loan ratio (nonaccrual plus 90+ days past due) of the 80 banks headquartered in Florida, 0.07% as of Q3 2026; a lower figure is better here. Against a median of 0.54% for banks in the $1B-10B asset tier, Pacific National Bank reported 0.07% on nonperforming loan ratio (nonaccrual plus 90+ days past due) in Q3 2026, 0.47 points lower.
Nonperforming assets
Largest change in this table: nonperforming loans to total loans, up 0.06 points to 0.07% in Q3 2026 after 0.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 0.07% |
| Nonaccrual loans to loans | 0.07% |
| Loans 90+ days past due to loans | 0.00% |
| Nonperforming assets ratio | 0.04% |
| Nonperforming assets to total assets | 0.04% |
| Other real estate owned | $0 |
| Other real estate owned to assets | 0.00% |
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Reserves and coverage
| Line item | Q3 2026 |
|---|---|
| Allowance for credit losses on loans | $7.0M |
| Allowance to total loans | 0.68% |
| Reserve coverage of nonperforming loans | 992.87% |
| Reserve coverage of nonperforming assets | 992.87% |
| Provision for credit losses | $318K |
Commercial real estate credit
| Line item | Q3 2026 |
|---|---|
| Multifamily loans on nonaccrual | $0 |
| Multifamily nonaccrual rate | 0.00% |
| Multifamily noncurrent rate | 0.00% |
| Multifamily loans past due or nonaccrual | $0 |
| Commercial property loans on nonaccrual | $0 |
| Commercial property nonaccrual rate | 0.00% |
| Commercial property noncurrent rate | 0.00% |
| Commercial property loans past due or nonaccrual | $0 |
| Construction and land loans on nonaccrual | $0 |
| Construction and land nonaccrual rate | 0.00% |
Nonaccrual loans have stopped accruing interest. Noncurrent adds loans 90 or more days past due and still accruing. Past due and nonaccrual adds loans 30 or more days late, which includes loans past their maturity date and not repaid. Rates are over each property type's own loan balance.
Credit card loans
| Line item | Q3 2026 |
|---|---|
| Credit card noncurrent rate | 0.00% |
Noncurrent card loans are 90 or more days past due and still accruing, or on nonaccrual, over the bank's credit card loans.
Charge-offs
| Line item | Q3 2026 |
|---|---|
| Net charge-off ratio | 0.00% |
| Net charge-offs to average loans | 0.00% |
| Net charge-offs, credit cards | 0.00% |
| Net charge-offs, automobile loans | — |
| Net charge-offs, consumer | 0.00% |
| Net charge-offs, construction and development | 0.00% |
| Net charge-offs, multifamily | 0.00% |
Capital at risk
Largest change in this table: nonperforming assets to equity, up 0.31 points to 0.39% in Q3 2026 after 0.08% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Texas ratio | 0.38% |
| Nonperforming assets to equity | 0.39% |
| Nonperforming assets to tangible equity and reserves | 0.38% |
Asset Quality trend
Above 100% means reserves fully cover recognized nonperforming loans.
A line with no points means the bank holds no loans of that type.
Readings above 100% have historically signaled acute distress.
Asset Quality by quarter
| Quarter | NPL ratio | Net charge-off ratio | Reserve coverage | Multifamily | Commercial property |
|---|---|---|---|---|---|
| Q4 2023 | 0.61% | 0.00% | 102.32% | 0.00% | 1.13% |
| Q1 2024 | 0.02% | 0.00% | 2428.71% | 0.00% | 0.00% |
| Q2 2024 | 0.02% | 0.00% | 2650.00% | 0.00% | 0.00% |
| Q3 2024 | 0.02% | 0.00% | 3009.41% | 0.00% | 0.00% |
| Q4 2024 | 0.02% | 0.00% | 3051.98% | 0.00% | 0.00% |
| Q1 2025 | 0.00% | 0.00% | — | 0.00% | 0.00% |
| Q2 2025 | 0.00% | 0.00% | — | 0.00% | 0.00% |
| Q3 2025 | 0.00% | 0.00% | — | 0.00% | 0.00% |
| Q4 2025 | 0.02% | 0.00% | 3291.67% | 0.00% | 0.00% |
| Q1 2026 | 0.01% | 0.11% | 4611.59% | 0.00% | 0.00% |
| Q2 2026 | 0.01% | 0.00% | 4781.88% | 0.00% | 0.00% |
| Q3 2026 | 0.07% | 0.00% | 992.87% | 0.00% | 0.00% |
Pacific National Bank asset quality, quarter by quarter
Asset Quality since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-N and RI-B, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Pacific National Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26299) · FFIEC NIC profile (RSSD 577137)