Pacific National Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Pacific National Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $5.3M in Q3 2026, up 35.8% from $3.9M in Q3 2025.
Net income climbed 16.3% in Q3 2026, from $4.6M to $5.3M. It was the largest change from Q2 2026 among the key lines here. Within Florida, Pacific National Bank is 29th of 81 on return on assets, 1.35% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Pacific National Bank sits 0.05 points higher, at 1.35% (Q3 2026).
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $5.3M |
| Return on assets | 1.35% |
| Return on equity | 12.21% |
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Interest income and expense
Largest change in this table: total interest expense, up 5.6% to $11.0M in Q3 2026 after $10.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $17.6M |
| Total interest expense | $11.0M |
| Interest expense on deposits | $9.9M |
| Net interest margin | 3.45% |
Noninterest income and expense
Efficiency ratio moved most in this table, down 4.51 points: 53.88% in Q2 2026, 49.37% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $7.6M |
| Salaries and general administrative expense | $5.7M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $1.9M |
| Efficiency ratio | 49.37% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $12.1M |
| Revenue per employee | $433K |
| Full-time equivalent employees | 142 |
Credit costs and securities results
Provision expense to average assets changed the most here, up 0.02 points to 0.08% in Q3 2026 from 0.06% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $318K |
| Provision expense to average assets | 0.08% |
| Realized gain/(loss) on securities | -$40K |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $1.8M | 0.58% | 5.26% | 63.15% |
| Q1 2024 | $3.1M | 0.99% | 8.96% | 59.69% |
| Q2 2024 | $3.2M | 1.01% | 8.94% | 54.86% |
| Q3 2024 | $2.4M | 0.77% | 6.71% | 58.97% |
| Q4 2024 | $4.8M | 1.47% | 12.93% | 46.98% |
| Q1 2025 | $3.4M | 1.02% | 8.91% | 57.73% |
| Q2 2025 | $2.6M | 0.77% | 6.71% | 61.46% |
| Q3 2025 | $3.9M | 1.10% | 10.05% | 57.30% |
| Q4 2025 | $4.2M | 1.15% | 10.40% | 57.66% |
| Q1 2026 | $4.2M | 1.13% | 10.18% | 56.85% |
| Q2 2026 | $4.6M | 1.16% | 10.86% | 53.88% |
| Q3 2026 | $5.3M | 1.35% | 12.21% | 49.37% |
Pacific National Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)