Branch Network
PNB Community Bank Locations & Branches Niceville, Florida
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PNB Community Bank operates 3 branches from its headquarters in Niceville, FL, .
PNB Community Bank branch network
All 3 branches are in FLORIDA, across 3 cities. Its largest office by deposits is its main office in Niceville, FL, with $93.6M (66.7% of its branch deposits). It had the same number of branches on June 30, 2025.
PNB Community Bank at a glance
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.
- Total assets, Q2 2026
- $155.2M
- Tier 1 leverage ratio, Q2 2026
- 10.32%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1986
Full financial profile · Is PNB Community Bank safe? · PNB Community Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Niceville, FL (1 branch) | 3 of 10 | 10.9% | $93.6M |
| State: FL (3 branches) | 139 of 186 | <0.1% | $140.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
PNB Community Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Okaloosa, FL (1 branch) | 15 of 22 | 1.8% | $93.6M | $5.25B |
| Walton, FL (2 branches) | 15 of 20 | 1.5% | $46.7M | $3.09B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Crestview-Fort Walton Beach-Destin, FL (3 branches) | 16 of 28 | 1.7% | $140.3M | $8.34B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 26687) · FFIEC NIC profile (RSSD 483537)