What is Pacific National Bank's financial health grade?

Pacific National Bank has a TFS Financial Health Grade of C+ (score: 78.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Pacific National Bank have?

Pacific National Bank has 8 branch locations across the United States.

Is Pacific National Bank FDIC insured?

Yes, Pacific National Bank is FDIC insured (Certificate #26299).

What are the total assets of Pacific National Bank?

Pacific National Bank has total assets of $1.5B as reported in its most recent FDIC filing.

Pacific National Bank

BankMiami, Florida

www.pnb.com

Total Assets

$1.5B

Total Deposits

$1.2B

Branches

Established

1985

TFS Health Grade

C+

78.6 / 100

Average financial health

How we grade

Pacific National Bank is a bank headquartered in Miami, Florida, established in 1985. With $1.5B in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (78.6/100).

Capital & Safety

Tier 1 Capital Ratio

11.23%(8%)

Total Capital Ratio

16.13%(10%)

Non-Performing Loan Ratio

0.02%

Profitability

Return on Assets (ROA)

1.02%(1%)

Return on Equity (ROE)

9.10%(10%)

Net Interest Margin

3.42%

Efficiency Ratio

58.36%(60%)

Lending & Liquidity

Total Loans

$923.9M

Loan-to-Deposit Ratio

76.17%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+13.05%

Deposit Growth (YoY)

+13.22%

Net Income

$14.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Pacific National BankHQ	1390 Brickell Ave	Miami	FL	11
Pacific National Bank	4137 North Federal Highway	Boca Raton	FL	11
Pacific National Bank	255 Aragon Ave	Coral Gables	FL	11
Pacific National Bank	13101 Sw 89th Pl	Miami	FL	11
Pacific National Bank	18285 Biscayne Blvd	Miami	FL	11
Pacific National Bank	1142 Weston Road	Weston	FL	11
Pacific National Bank	156 W 56th St Fl 20	New York	NY	29
Pacific National Bank	152 W 57th St	New York	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.