BlastPoint's Banking Scorecard
Pacific National Bank
Community
Specialty: Commercial
FL
FDIC cert 26299
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Pacific National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 46% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+13.0% YoY
+0.9% QoQ
|
+$81.2M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$917.2M
+8.2% YoY
+3.6% QoQ
|
-$58.3M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$1.2B
+13.2% YoY
-0.2% QoQ
|
+$39.5M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.02%
-4.2% YoY
+6.0% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.42%
+4.3% YoY
+0.9% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
58.36%
+6.6% YoY
-0.7% QoQ
|
-4.27% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.02%
-6.7% YoY
|
-0.61% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
76.17%
-4.4% YoY
+3.8% QoQ
|
-6.89% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
17.52%
+0.8% YoY
+1.4% QoQ
|
-3.53% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.01%
-10.7% YoY
|
-0.48% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
15.45%
-2.8% YoY
-0.1% QoQ
|
+5.20% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.15%
-34.6% YoY
+63.8% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#172 of 371 · Top 46% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 10.24%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.17% · Tier avg: 83.06%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
64
64th pctile
Total Loans
Current: $917.2M · Tier avg: $975.5M
63
63th pctile
Efficiency Ratio
Current: 58.36% · Tier avg: 62.63%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 21.05%
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.52% · Tier avg: 21.05%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 58.36% · Tier avg: 62.63%
64
64th pctile
Total Loans
Current: $917.2M · Tier avg: $975.5M
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.17% · Tier avg: 83.06%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.45% · Tier avg: 10.24%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%