| Metric | Pacific National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +5.5% | +11.9 pts |
| Deposit growth (YoY) | +19.1% | +5.1% | +14.1 pts |
| Loan growth (YoY) | +11.4% | +5.9% | +5.5 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 10.5% | 12.2% | -1.7 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.61B | $1.33B | $968.9M | $171.8M | $8.8M | 1.15% | 3.43% | 0.01% |
| Q1 2026 | $1.51B | $1.23B | $942.1M | $166.6M | $4.2M | 1.12% | 3.42% | 0.01% |
| Q4 2025 | $1.47B | $1.20B | $917.2M | $162.6M | $14.0M | 1.01% | 3.42% | 0.01% |
| Q3 2025 | $1.46B | $1.21B | $885.3M | $158.6M | $9.9M | 0.96% | 3.39% | 0.00% |
| Q2 2025 | $1.37B | $1.11B | $869.7M | $154.6M | $5.9M | 0.89% | 3.41% | 0.00% |
| Q1 2025 | $1.33B | $1.10B | $872.1M | $152.1M | $3.4M | 1.02% | 3.45% | 0.00% |
| Q4 2024 | $1.30B | $1.06B | $847.4M | $149.8M | $13.4M | 1.07% | 3.28% | 0.02% |
| Q3 2024 | $1.29B | $1.03B | $857.2M | $144.7M | $8.6M | 0.92% | 3.25% | 0.02% |
Loan mix (Q2 2026): real estate $810.8M · commercial $94.5M · consumer $11.1M · securities $425.0M
Nothing unusual in Q2 2026 — steady quarter.
Peer lists, growth filters, CSV export, CRM push.
5 branches in 3 counties across 1 state (+1 vs 2024) · $1.11B branch deposits. Biggest market: Miami-Dade, FL, ranked 31st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami-Dade, FL | 3 | $1.06B | 0.51% | 31st |
| Palm Beach, FL | 1 | $44.9M | 0.07% | 47th |
| Broward, FL | 1 | $7.1M | 0.01% | 62nd |
Florida: 76th with 0.12% · Miami-Fort Lauderdale-West Palm Beach metro: 40th, 0.32% ·
Branch count: 2022 3 · 2023 3 · 2024 4 · 2025 5