Pacific National Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pacific National Bank of Miami, FL against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.35% | 1.32% | +0.03% | 53rd better half |
| ROAE | 12.21% | 12.84% | -0.63% | 44th worse half |
| Net Interest Margin | 3.45% | 3.80% | -0.35% | 29th worse half |
| Efficiency Ratio | 49.37% | 57.50% | -8.13% | 25th better half |
| PPNR / Avg Assets | 1.96% | 1.78% | +0.18% | 62nd better half |
| Yield on Earning Assets | 6.22% | 5.62% | +0.60% | 80th |
| Cost of Funds | 3.00% | 2.05% | +0.95% | 90th worst quarter |
| Net Interest Spread | 2.58% | 3.16% | -0.58% | 21st worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.54% | -0.47% | 8th best quarter |
| NPA / Total Assets | 0.04% | 0.43% | -0.39% | 8th best quarter |
| NCO / Avg Loans | 0.00% | 0.03% | -0.03% | 13th best quarter |
| ACL / Total Loans | 0.68% | 1.14% | -0.46% | 8th |
| ACL / NPLs (Coverage) | 992.87% | 206.61% | +786.26% | 90th best quarter |
| Texas Ratio | 0.38% | 3.89% | -3.51% | 8th best quarter |
| CRE / Total Capital | 377.58% | 224.99% | +152.59% | 93rd worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.00% | 13.63% | +1.37% | 68th better half |
| Tier 1 Ratio | 15.00% | 13.64% | +1.36% | 68th better half |
| Total Capital Ratio | 15.63% | 14.75% | +0.88% | 62nd better half |
| Leverage Ratio | 11.13% | 10.57% | +0.56% | 61st better half |
| Equity / Assets | 10.39% | 10.20% | +0.19% | 54th better half |
| TCE / Tangible Assets | 10.37% | 9.58% | +0.79% | 64th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 73.05% | 88.09% | -15.04% | 17th |
| Core Deposit Ratio | 75.06% | 89.11% | -14.05% | 11th worst quarter |
| Uninsured Deposit Ratio | 26.65% | 31.09% | -4.44% | 34th better half |
| Borrowings / Total Assets | 6.82% | 4.05% | +2.77% | 69th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.60% | 4.80% | +12.80% | 89th |
| Loan Growth (Y/Y) | 15.09% | 6.01% | +9.08% | 85th |
| Deposit Growth (Y/Y) | 16.54% | 4.64% | +11.90% | 87th |
See Pacific National Bank's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pacific National Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pacific National Bank peer analysis.