Pacific National Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Pacific National Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $1.03B in Q3 2026, up 15.1% from $892.2M in Q3 2025. That is 59.9% of its total assets. Across the 12 quarters shown it ranged from $810.1M (Q1 2024) to $1.03B (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 16.97 percentage points higher than in Q2 2026, at 377.58%. Within Florida, Pacific National Bank is 51st of 81 on loan-to-deposit ratio, 73.05% as of Q3 2026. The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. Pacific National Bank sits 15.09 points lower, at 73.05% (Q3 2026).
Loan totals
Loans to total assets moved most in this table, down 0.73 points: 60.58% in Q2 2026, 59.85% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $1.03B |
| Net loans and leases | $1.02B |
| Loans held for sale | $0 |
| Loans to total assets | 59.85% |
| Loan-to-deposit ratio | 73.05% |
| Net loans to equity capital | 5.72× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial real estate (nonfarm nonresidential), up 0.82 points to 55.24% in Q3 2026 after 54.42% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.24% |
| Multifamily (5+ residential) | 7.24% |
| Commercial and industrial | 9.20% |
| Consumer | 1.06% |
| Credit cards | 0.01% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 377.58% |
| Construction concentration (Tier 1 capital + allowance) | 69.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Largest change in this table: yield on loans, up 0.05 points to 6.96% in Q3 2026 after 6.91% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.96% |
| Interest income on loans | $17.6M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $810.9M | $984.1M | 50.88% | 25.43% | 0.01% |
| Q1 2024 | $810.1M | $1.01B | 50.22% | 24.81% | 0.02% |
| Q2 2024 | $858.1M | $998.3M | 50.34% | 21.75% | 0.01% |
| Q3 2024 | $863.3M | $1.03B | 53.67% | 19.95% | 0.02% |
| Q4 2024 | $853.5M | $1.06B | 56.16% | 18.04% | 0.02% |
| Q1 2025 | $878.5M | $1.10B | 54.81% | 18.89% | 0.02% |
| Q2 2025 | $876.7M | $1.11B | 54.95% | 17.14% | 0.02% |
| Q3 2025 | $892.2M | $1.21B | 55.37% | 17.00% | 0.01% |
| Q4 2025 | $923.9M | $1.20B | 54.74% | 17.06% | 0.06% |
| Q1 2026 | $948.5M | $1.23B | 52.23% | 16.37% | 0.05% |
| Q2 2026 | $975.5M | $1.33B | 54.42% | 9.69% | 1.13% |
| Q3 2026 | $1.03B | $1.41B | 55.24% | 9.20% | 1.06% |
Pacific National Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)