Bank Safety Analysis
Is Pacific National Bank Safe? Miami, Florida
Based on its Q3 2026 call report, Pacific National Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.38%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Pacific National Bank safe?
On its Q3 2026 call report, Pacific National Bank's CET1 ratio is 15.00%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.00%
- Tier 1 leverage ratio (Q3 2026): 11.13%
- Texas ratio (Q3 2026): 0.38%
- Noncurrent loans ratio (Q3 2026): 0.07%
Pacific National Bank is an FDIC-insured commercial bank (FDIC Certificate #26299). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Pacific National Bank (FDIC Certificate #26299) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Pacific National Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital.
Compared with Q2 2026, return on assets rose 0.19 percentage points in Q3 2026 to 1.35%, the biggest move 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).
From Q4 2023 to Q3 2026, Pacific National Bank's CET1 ratio ranged between 15.00% (Q3 2026) and 17.40% (Q4 2023) and its Texas ratio ranged between 0.00% (Q3 2025) and 3.57% (Q4 2023). Between Q3 2025 and Q3 2026, Pacific National Bank's CET1 ratio fell from 15.47% to 15.00%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.07%, Texas ratio rose from 0.00% to 0.38% and return on assets rose from 1.10% to 1.35%.
By total assets at Q3 2026, Pacific National Bank is the 22nd largest of the 81 banks headquartered in Florida. Non-owner-occupied commercial real estate loans are its largest loan category, $484.4M of $1.03B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Pacific National Bank's CET1 ratio of 15.00% is above the 13.60% median, Tier 1 leverage ratio of 11.13% is above the 10.54% median, nonperforming loans ratio of 0.07% is below the 0.54% median, Texas ratio of 0.38% is below the 3.95% median, and efficiency ratio of 49.37% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Pacific National Bank's composite risk score is 1.03 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Pacific National Bank score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Pacific National Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.00% | Within range |
| Texas ratio BankRegReports band | 0.38% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.07% | Within range |
| Uninsured deposit share BankRegReports band | 26.65% | Within range |
| Loan-to-deposit ratio BankRegReports band | 73.05% | Within range |
| Commercial real estate to capital supervisory threshold | 377.58% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 15.00% |
| Q2 2026 | 15.31% |
| Q1 2026 | 15.40% |
| Q4 2025 | 15.44% |
| Q3 2025 | 15.47% |
| Q2 2025 | 15.43% |
| Q1 2025 | 15.70% |
| Q4 2024 | 15.90% |
| Q3 2024 | 15.91% |
| Q2 2024 | 16.25% |
| Q1 2024 | 17.39% |
| Q4 2023 | 17.40% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.38% |
| Q2 2026 | 0.08% |
| Q1 2026 | 0.08% |
| Q4 2025 | 0.12% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.13% |
| Q3 2024 | 0.13% |
| Q2 2024 | 0.14% |
| Q1 2024 | 0.14% |
| Q4 2023 | 3.57% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $484.4M
- Construction and land development loans: $127.0M
- 1-4 family residential loans: $96.2M
- Commercial and industrial loans: $94.5M
- Owner-occupied commercial real estate loans: $82.8M
- Multifamily loans: $74.3M
- Loans to nondepository financial institutions: $54.2M
- Other consumer loans: $10.8M
How have Pacific National Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $1.72B | 15.00% | 11.13% | 0.07% | 0.38% | 49.37% |
| Jun 30, 2026 | $1.61B | 15.31% | 10.80% | 0.01% | 0.08% | 53.88% |
| Mar 31, 2026 | $1.51B | 15.40% | 11.23% | 0.01% | 0.08% | 56.85% |
| Dec 31, 2025 | $1.47B | 15.44% | 11.22% | 0.02% | 0.12% | 57.66% |
| Sep 30, 2025 | $1.46B | 15.47% | 11.12% | 0.00% | 0.00% | 57.30% |
| Jun 30, 2025 | $1.37B | 15.43% | 11.60% | 0.00% | 0.00% | 61.46% |
| Mar 31, 2025 | $1.33B | 15.70% | 11.54% | 0.00% | 0.00% | 57.73% |
| Dec 31, 2024 | $1.30B | 15.90% | 11.48% | 0.02% | 0.13% | 46.98% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Pacific National Bank FDIC insured?
Yes. Pacific National Bank is an FDIC-insured commercial bank (FDIC Certificate #26299). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Pacific National Bank well capitalized?
On its Q3 2026 call report, Pacific National Bank's CET1 ratio is 15.00%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Pacific National Bank's key safety ratios?
For Q3 2026, Pacific National Bank reports CET1 15.00%, leverage 11.13%, Texas ratio 0.38%, noncurrent loans 0.07%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Pacific National Bank fails?
For Q3 2026, Pacific National Bank reported $1.41B in total deposits, 26.65% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Pacific National Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Pacific National Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 26299) · FFIEC NIC profile (RSSD 577137)
Explore: Full Pacific National Bank profile · Other banks in FL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.