Pacific National Bank: how it compares with its peers
Against 23 FL banks with half to twice its assets, Pacific National Bank's strongest measure in Q2 2026 is assets per employee ($11.2M vs. a $8.8M peer median). Its weakest relative measure is net interest margin (3.43% vs. 3.64%).
| Measure | Pacific National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.25% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 3.64% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.31% | 56.37% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $8.8M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.98% | 75.44% | Context |
What it means for lending operations
Its efficiency ratio of 55.31% is better than the 56.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- International Finance Bank Miami, FL · $1.62B
- Citizens Bank and Trust Frostproof, FL · $1.48B
- Grove Bank & Trust Miami, FL · $1.41B
- OptimumBank Fort Lauderdale, FL · $1.39B
- Climate First Bank Saint Petersburg, FL · $1.94B
- Bank of Central Florida Lakeland, FL · $1.25B
Questions about Pacific National Bank
How big is Pacific National Bank?
Pacific National Bank, established in 1985, is headquartered in Miami, FL. It reported $1.61B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Pacific National Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.25% median for 23 FL banks with half to twice its assets, ahead of 35% of them.
What is Pacific National Bank's efficiency ratio?
55.31% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 56.37%, and lower is better.
Is Pacific National Bank growing its loans?
Net loans grew 11.4% over the year to Q2 2026, while deposits grew 19.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.