PNB Community Bank
BankRegReports is independent of PNB Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
PNB Community Bank is an FDIC-insured commercial bank headquartered in Niceville, FL, established in 1986 (FDIC certificate 26687), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $155.2M, down 1.2% from Q2 2025, the 72nd largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26687
- Headquarters
- Niceville, FL
- Established
- 1986
- Total assets, Q2 2026
- $155.2M
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 10.32%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 063212631
- Holding company
- BANKSHARES CORPORATION OF NICEVILLE
- Asset rank in state
- 72nd of 81 in Florida
PNB Community Bank, based in Niceville, Florida, reported $155 million in assets at June 30, 2026, down 1.2% from a year earlier. It pays an average of 0.99% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.86 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 1.31%. Unrealized losses on its securities total $3.1 million, equal to 19% of Tier 1 capital, against 23% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, PNB Community Bank reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, PNB Community Bank is the 72nd largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $155.2M, loans rose 0.1% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.1% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 3 offices for it, in Niceville, FL, Freeport, FL and Defuniak Springs, FL; its Niceville office books 67% of its branch deposits. Judged on its Q2 2026 call report, PNB Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1020 John Sims Pkwy E, Niceville, FL 32578
- County
- Okaloosa
- Metro Area
- Crestview-Fort Walton Beach-Destin, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 16, 1986
- Former names
- Peoples National Bank (1999-2018)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $140.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $156.7M
- Average total loans
- $105.3M
- Average interest-bearing deposits
- $101.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 16, 1986
- FDIC Cert
- 26687
- Fed RSSD
- 483537
- Website
- pnbcommunity.bank →
- Parent Holding Company
- BANKSHARES CORPORATION OF NICEVILLE (RSSD 1363793)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, PNB Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
PNB Community Bank's total assets moved between a low of $147.7M (Q3 2023) and a high of $158.9M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$155.2M total assets against $157.0M; $141.3M total liabilities against $144.0M.
$106.9M net loans and leases against $110.4M; $140.3M total deposits against $142.5M.
$32.9M securities against $31.1M; $12.3M cash and balances due against $11.8M.
$2.1M total interest income against $2.2M; $344K total interest expense against $361K.
$1.8M net interest income against $1.8M.
$263K total noninterest income against $206K; $1.5M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$435K net income against $511K.
1.11% return on assets against 1.27%; 4.86% net interest margin against 4.84%.
10.32% tier 1 leverage ratio against 9.78%.
Inside the full PNB Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
PNB Community Bank rankings
Its closest position to the top of a national ranking is 2,257 of 3,611, for ROA; its furthest is 3,086 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 1.33% (Q1 2026) and its net interest margin ran from 4.48% (Q3 2024) to 4.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.11% | 0.04% | 0.31% | 4.86% |
| Q1 2026 | 9.96% | 1.33% | 0.04% | 0.28% | 4.77% |
| Q4 2025 | 9.75% | 1.24% | 0.06% | 0.45% | 4.73% |
| Q3 2025 | 9.89% | 1.23% | 0.07% | 0.48% | 4.79% |
| Q2 2025 | 9.78% | 1.27% | 1.31% | 10.13% | 4.84% |
| Q1 2025 | 9.56% | 1.20% | 3.00% | 24.68% | 4.77% |
| Q4 2024 | 9.37% | 0.80% | 1.30% | 11.35% | 4.55% |
| Q3 2024 | 9.55% | 0.54% | 1.32% | 10.49% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| PNB Community Bank (main office) | Niceville , FL | 32578 | $93.6M |
| Freeport Branch | Freeport , FL | 32439 | $33.4M |
| Defuniak Springs Branch | Defuniak Springs , FL | 32435 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 5 against individuals associated with it
- May 11, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Peoples National Bank
- June 30, 2005, OCC: Formal Agreement: Peoples National Bank
- Period: Most recent institution action May 11, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 139 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 34 applications, 28 loans originated, $11.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $180K approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows PNB Community Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about PNB Community Bank
What are PNB Community Bank's total assets?
As of the Q2 2026 filing, PNB Community Bank reported total assets of $155.2 million in its FFIEC call report.
Where is PNB Community Bank headquartered?
It is headquartered in Niceville, FL, United States.
When was PNB Community Bank founded?
It was established in 1986, per the FDIC institution directory.
Is PNB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PNB Community Bank?
PNB Community Bank's primary federal regulator is the FDIC.
How many branches does PNB Community Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PNB Community Bank's Texas Ratio?
Its Texas Ratio is 0.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was PNB Community Bank previously called?
The charter now named PNB Community Bank has also operated as Peoples National Bank (1999-2018), per FDIC structure-change records.
Go deeper on PNB Community Bank.
Get an email when PNB Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock PNB Community Bank, freeFree account