Pacific National Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Pacific National Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $1.41B in Q3 2026, up 16.5% from $1.21B in Q3 2025. That is 81.9% of its total assets. Across the 12 quarters shown it ranged from $984.1M (Q4 2023) to $1.41B (Q3 2026).
The standout move of Q3 2026 was in Time deposits under $100k: 68.1% higher than in Q2 2026, at $100.6M. Pacific National Bank ranks 24th of 81 Florida banks on total deposits, in the upper half at $1.41B (Q3 2026). Pacific National Bank reported $1.41B on total deposits for Q3 2026, 16% below the $1.68B median for banks in the $1B-10B asset tier.
Deposit totals
Largest change in this table: deposits to total liabilities, down 0.86 points to 91.44% in Q3 2026 after 92.30% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $1.41B |
| Domestic office deposits | $1.41B |
| Foreign office deposits | — |
| Deposits to total assets | 81.94% |
| Deposits to total liabilities | 91.44% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $350.5M |
| Savings deposits | $7.9M |
| Transaction accounts to domestic deposits | 24.93% |
| Time deposits to total deposits | 38.70% |
| Time deposits under $100k | $100.6M |
| Time deposits $100k to $250k | $184.2M |
| Time deposits over $250k | $259.2M |
| Noninterest-bearing share of deposits | 20.53% |
Stability of funding
Largest change in this table: brokered deposits, up 66.9% to $92.4M in Q3 2026 after $55.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $1.06B |
| Core deposits to total deposits | 75.06% |
| Insured deposits | $1.03B |
| Uninsured deposits | $374.6M |
| Uninsured deposits to total deposits | 26.65% |
| Brokered deposits | $92.4M |
| Brokered deposits to total deposits | 6.58% |
Cost of deposits
Loans and leases to core deposits changed the most here, down 1.55 points to 89.56% in Q3 2026 from 91.11% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.61% |
| Interest expense on deposits | $9.9M |
| Loans and leases to core deposits | 89.56% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $984.1M | 81.80% | 23.00% | 7.72% | 3.11% |
| Q1 2024 | $1.01B | 82.03% | 24.74% | 6.76% | 3.78% |
| Q2 2024 | $998.3M | 82.09% | 26.67% | 6.51% | 3.87% |
| Q3 2024 | $1.03B | 82.43% | 24.86% | 6.33% | 4.05% |
| Q4 2024 | $1.06B | 81.51% | 24.45% | 5.64% | 4.04% |
| Q1 2025 | $1.10B | 80.38% | 25.17% | 5.40% | 3.84% |
| Q2 2025 | $1.11B | 78.02% | 23.40% | 6.68% | 3.86% |
| Q3 2025 | $1.21B | 76.71% | 22.77% | 5.90% | 4.04% |
| Q4 2025 | $1.20B | 75.73% | 24.09% | 5.26% | 3.69% |
| Q1 2026 | $1.23B | 74.94% | 25.68% | 5.34% | 3.51% |
| Q2 2026 | $1.33B | 76.56% | 27.76% | 4.17% | 3.64% |
| Q3 2026 | $1.41B | 75.06% | 26.65% | 6.58% | 3.61% |
Pacific National Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)