Pacific National Bank

BankMiami, Florida
www.pnb.com

Total Assets

$1.5B

Total Deposits

$1.2B

Branches

8

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.

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