What is PNB Community Bank's financial health grade?

PNB Community Bank has a TFS Financial Health Grade of D+ (score: 69.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does PNB Community Bank have?

PNB Community Bank has 3 branch locations across the United States.

Is PNB Community Bank FDIC insured?

Yes, PNB Community Bank is FDIC insured (Certificate #26687).

What are the total assets of PNB Community Bank?

PNB Community Bank has total assets of $157.7M as reported in its most recent FDIC filing.

PNB Community Bank

BankNiceville, Florida

pnbcommunity.bank

Total Assets

$157.7M

Total Deposits

$143.1M

Branches

Established

1986

TFS Health Grade

D+

69.0 / 100

Below average financial health

How we grade

PNB Community Bank is a bank headquartered in Niceville, Florida, established in 1986. With $157.7M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (69.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.75%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.06%

Profitability

Return on Assets (ROA)

1.26%(1%)

Return on Equity (ROE)

15.31%(10%)

Net Interest Margin

4.85%

Efficiency Ratio

67.06%(60%)

Lending & Liquidity

Total Loans

$109.2M

Loan-to-Deposit Ratio

75.29%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+1.64%

Deposit Growth (YoY)

+1.02%

Net Income

$2.0M

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
PNB Community BankHQ	1020 John Sims Pkwy E	Niceville	FL	11
PNB Community Bank	1452 Us Highway 331 S	Defuniak Springs	FL	11
PNB Community Bank	15835 331 Business	Freeport	FL	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.