Pacific National Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Pacific National Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 15.00% in Q3 2026, down 0.47 percentage points from 15.47% in Q3 2025. Across the 12 quarters shown it ranged from 15.00% (Q3 2026) to 17.40% (Q4 2023).
Brokered deposits to total deposits climbed 2.40 percentage points in Q3 2026, from 4.17% to 6.58%. It was the largest change from Q2 2026 among the key lines here. Pacific National Bank ranks 29th of 81 Florida banks on return on assets, in the upper half at 1.35% (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).
Capital adequacy
Tangible equity to tangible assets changed the most here, down 0.28 points to 10.37% in Q3 2026 from 10.65% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 15.00% |
| Tier 1 risk-based capital ratio | 15.00% |
| Total risk-based capital ratio | 15.63% |
| Tier 1 leverage ratio | 11.13% |
| Equity capital to assets | 10.39% |
| Tangible equity to tangible assets | 10.37% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: nonperforming loans to loans, up 0.06 points to 0.07% in Q3 2026 after 0.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.07% |
| Nonperforming assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.38% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of nonperforming loans | 992.87% |
Earnings
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 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 12.21% |
| Net interest margin | 3.45% |
| Efficiency ratio | 49.37% |
| Yield on earning assets | 6.22% |
| Cost of funds | 3.00% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.05% |
| Core deposits to total deposits | 75.06% |
| Brokered deposits to total deposits | 6.58% |
| Deposits to assets | 81.94% |
| Securities to assets | 25.54% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 17.40% | 17.40% | 18.10% | 11.28% | 0.58% |
| Q1 2024 | 17.39% | 17.39% | 18.07% | 11.32% | 0.99% |
| Q2 2024 | 16.25% | 16.25% | 16.91% | 11.42% | 1.01% |
| Q3 2024 | 15.91% | 15.91% | 16.62% | 11.59% | 0.77% |
| Q4 2024 | 15.90% | 15.90% | 16.61% | 11.48% | 1.47% |
| Q1 2025 | 15.70% | 15.70% | 16.40% | 11.54% | 1.02% |
| Q2 2025 | 15.43% | 15.43% | 16.19% | 11.60% | 0.77% |
| Q3 2025 | 15.47% | 15.47% | 16.20% | 11.12% | 1.10% |
| Q4 2025 | 15.44% | 15.44% | 16.12% | 11.22% | 1.15% |
| Q1 2026 | 15.40% | 15.40% | 16.03% | 11.23% | 1.13% |
| Q2 2026 | 15.31% | 15.31% | 15.94% | 10.80% | 1.16% |
| Q3 2026 | 15.00% | 15.00% | 15.63% | 11.13% | 1.35% |
Pacific National Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)