PNB Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets dropped 1.02 percentage points in Q2 2026, from 22.22% to 21.19%. It was the largest change from Q1 2026 among the key lines here. Within Florida, PNB Community Bank is 38th of 79 on return on assets, 1.11% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. PNB Community Bank sits 0.15 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.32% |
| Equity capital to assets | 8.91% |
| Tangible equity to tangible assets | 8.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 0.31% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 2963.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 12.57% |
| Net interest margin | 4.86% |
| Efficiency ratio | 71.71% |
| Yield on earning assets | 5.79% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.15% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.44% |
| Securities to assets | 21.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.25% | 1.11% | 4.86% | 1.92% | 0.25% |
| Q4 2023 | 9.23% | 1.10% | 4.66% | 2.06% | -0.06% |
| Q1 2024 | 9.39% | 1.02% | 4.64% | 1.82% | -0.05% |
| Q2 2024 | 9.34% | 1.11% | 4.68% | 1.28% | -0.06% |
| Q3 2024 | 9.55% | 0.54% | 4.48% | 1.32% | -0.06% |
| Q4 2024 | 9.37% | 0.80% | 4.55% | 1.30% | -0.06% |
| Q1 2025 | 9.56% | 1.20% | 4.77% | 3.00% | 0.08% |
| Q2 2025 | 9.78% | 1.27% | 4.84% | 1.31% | -0.06% |
| Q3 2025 | 9.89% | 1.23% | 4.79% | 0.07% | 0.10% |
| Q4 2025 | 9.75% | 1.24% | 4.73% | 0.06% | -0.05% |
| Q1 2026 | 9.96% | 1.33% | 4.77% | 0.04% | -0.04% |
| Q2 2026 | 10.32% | 1.11% | 4.86% | 0.04% | 0.11% |
PNB Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PNB Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full PNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26687) · FFIEC NIC profile (RSSD 483537)