PNB Community Bank: how it compares with its peers
Against 19 FL banks with half to twice its assets, PNB Community Bank's strongest measure in Q2 2026 is net interest margin (4.84% vs. a 3.82% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.2M).
| Measure | PNB Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 0.85% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.84% | 3.82% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.51% | 71.65% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.2M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.16% | 70.28% | Context |
What it means for lending operations
Its efficiency ratio of 68.51% is better than the 71.65% 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
- Bank of Belle Glade Belle Glade, FL · $160M
- Bank of Pensacola Pensacola, FL · $147M
- The Warrington Bank Pensacola, FL · $174M
- Gulf Coast Business Bank Fort Myers, FL · $187M
- Peoples Bank of Graceville Graceville, FL · $116M
- Commerce Bank & Trust Winter Park, FL · $198M
Questions about PNB Community Bank
How big is PNB Community Bank?
PNB Community Bank, established in 1986, is headquartered in Niceville, FL. It reported $155M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is PNB Community Bank's return on assets?
1.24% annualized in Q2 2026, against a 0.85% median for 19 FL banks with half to twice its assets, ahead of 79% of them.
What is PNB Community Bank's efficiency ratio?
68.51% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 71.65%, and lower is better.
Is PNB Community Bank growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits shrank 1.5%.
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.