PNB Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PNB Community Bank of Niceville, FL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.25% | -0.14% | 38th below |
| ROAE | 12.57% | 12.22% | +0.35% | 50th above |
| Net Interest Margin | 4.86% | 3.95% | +0.91% | 90th top |
| Efficiency Ratio | 71.71% | 63.71% | +8.00% | 24th bottom |
| PPNR / Avg Assets | 1.49% | — | — | 43rd below |
| Yield on Earning Assets | 5.79% | 5.67% | +0.12% | 58th above |
| Cost of Funds | 0.99% | 1.87% | -0.88% | 91st top |
| Net Interest Spread | 4.45% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.88% | -0.84% | 80th top |
| NPA / Total Assets | 0.03% | — | — | 82nd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.15% | -0.04% | 18th bottom |
| ACL / Total Loans | 1.29% | — | — | 61st above |
| ACL / NPLs (Coverage) | 2963.83% | — | — | — |
| Texas Ratio | 0.31% | 5.96% | -5.65% | 81st top |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.32% | 11.75% | -1.43% | 38th below |
| Equity / Assets | 8.91% | 10.98% | -2.07% | 25th below |
| TCE / Tangible Assets | 8.91% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.15% | 80.44% | -3.29% | 57th above |
| Core Deposit Ratio | 92.80% | 86.95% | +5.85% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.16% | — | — | 13th bottom |
| Loan Growth (Y/Y) | -3.15% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | -1.50% | — | — | 15th bottom |
See PNB Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PNB Community 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 PNB Community 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 PNB Community Bank peer analysis.