Pacific National Bank: Capital Ratios and Amounts
BankRegReports is independent of Pacific National Bank and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RC-R How we update
Pacific National Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 15.00% in Q3 2026, down 0.47 percentage points from 15.47% in Q3 2025. Across the 12 quarters shown it ranged from 15.00% (Q3 2026) to 17.40% (Q4 2023).
Retained earnings rose 6.3% from Q2 2026 to Q3 2026, ending at $89.9M against $84.6M. It was the largest change among the key lines on this page. Pacific National Bank ranks 23rd of 55 Florida banks on CET1 ratio, in the upper half at 15.00% (Q3 2026). The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. Pacific National Bank sits 1.40 points higher, at 15.00% (Q3 2026).
Risk-based capital ratios
Largest change in this table: tier 1 leverage ratio, up 0.33 points to 11.13% in Q3 2026 after 10.80% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 15.63% |
| Tier 1 leverage ratio | 11.13% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
Get an email when Pacific National Bank files its next quarter, and see its capital ratios and amounts against peers in the terminal. Free account, no card.
Capital amounts
Largest change in this table: risk-weighted assets, up 5.2% to $1.18B in Q3 2026 after $1.12B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $176.7M |
| Tier 1 capital | $176.7M |
| Total risk-based capital | $184.0M |
| Total equity capital | $178.2M |
| Risk-weighted assets | $1.18B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets moved most in this table, up 0.40 points: 10.83% in Q2 2026, 11.23% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.39% |
| Tangible equity to tangible assets | 10.37% |
| Equity capital to average assets | 11.23% |
| Internal capital growth rate | 12.43% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $153K |
| Common stock surplus | $89.7M |
| Retained earnings | $89.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1.2M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 17.40% | 17.40% | 18.10% | 11.28% | $786.4M |
| Q1 2024 | 17.39% | 17.39% | 18.07% | 11.32% | $804.6M |
| Q2 2024 | 16.25% | 16.25% | 16.91% | 11.42% | $880.6M |
| Q3 2024 | 15.91% | 15.91% | 16.62% | 11.59% | $914.5M |
| Q4 2024 | 15.90% | 15.90% | 16.61% | 11.48% | $934.9M |
| Q1 2025 | 15.70% | 15.70% | 16.40% | 11.54% | $968.4M |
| Q2 2025 | 15.43% | 15.43% | 16.19% | 11.60% | $1.00B |
| Q3 2025 | 15.47% | 15.47% | 16.20% | 11.12% | $1.02B |
| Q4 2025 | 15.44% | 15.44% | 16.12% | 11.22% | $1.05B |
| Q1 2026 | 15.40% | 15.40% | 16.03% | 11.23% | $1.08B |
| Q2 2026 | 15.31% | 15.31% | 15.94% | 10.80% | $1.12B |
| Q3 2026 | 15.00% | 15.00% | 15.63% | 11.13% | $1.18B |
Pacific National Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, 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)