TellerScore

Pacific National Bank is a national bank headquartered in Miami, Florida, in business for about 41 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.3B in deposits, with 8 offices across 2 states.

Based on its Q2 2026 filing, Pacific National Bank scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 9th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (58/100; 10.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.80%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 73.0% · 27.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
757677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202477
Q1 202577
Q2 202577
Q3 202577
Q4 202576
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.30%11.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.42%
Q3 202411.59%
Q4 202411.48%
Q1 202511.54%
Q2 202511.60%
Q3 202511.12%
Q4 202511.22%
Q1 202611.23%
Q2 202610.80%
Noncurrent loans
0.00%0.01%0.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.02%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.02%
Q1 20260.01%
Q2 20260.01%
Return on assets
0.89%1.02%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20240.92%
Q4 20241.07%
Q1 20251.02%
Q2 20250.89%
Q3 20250.96%
Q4 20251.01%
Q1 20261.12%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.6B10.80%0.01%1.15%73.0%
Q1 202677$1.5B11.23%0.01%1.12%76.7%
Q4 202576$1.5B11.22%0.02%1.01%76.2%
Q3 202577$1.5B11.12%0.00%0.96%73.4%
Q2 202577$1.4B11.60%0.00%0.89%78.0%
Q1 202577$1.3B11.54%0.00%1.02%79.5%
Q4 202477$1.3B11.48%0.02%1.07%79.7%
Q3 202476$1.3B11.59%0.02%0.92%83.2%
Q2 202475$1.2B11.42%0.02%1.01%85.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.80%
57th
Total risk-based capital15.94%
76th
Problem loans0.01%
94th
Net charge-offs0.05%
42nd
Return on assets1.15%
41st
Net interest margin3.43%
33rd
Efficiency ratio55.3%
61st
Loans to deposits73.0%
80th
Uninsured deposits27.8%
59th
Loan-loss reserves0.68%
10th
Texas ratio0.1%
96th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
International Finance BankBank Miami, FL66 out of 100, Moderate$1.6B8.3%0.30%vs
Citizens Bank and TrustBank Frostproof, FL67 out of 100, Moderate$1.5B8.0%0.35%vs
Grove Bank & TrustBank Miami, FL68 out of 100, Moderate$1.4B10.0%0.01%vs
OptimumBankBank Fort Lauderdale, FL76 out of 100, Strong$1.4B10.5%0.18%vs
Climate First BankBank Saint Petersburg, FL68 out of 100, Moderate$1.9B9.7%0.12%vs
Bank of Central FloridaBank Lakeland, FL69 out of 100, Moderate$1.2B8.7%0.21%vs

Deposit insurance

Is my money safe at Pacific National Bank?

Yes. Pacific National Bank is an FDIC-insured institution (FDIC certificate #26299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($368.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.94% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Pacific National Bank lists 7 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pacific National Bank
Type
National bank
FDIC certificate #
26299
RSSD ID
577137
Primary regulator
OCC
Established
July 22, 1985
Headquarters
1390 Brickell Ave, Miami, FL 33131
Employees
144

Quick answers

Pacific National Bank: common questions

Is Pacific National Bank FDIC insured?

Yes. Pacific National Bank is an FDIC-insured institution (FDIC certificate #26299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pacific National Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pacific National Bank ever failed?

There is no failure record for FDIC certificate #26299 in the FDIC failed bank list.

How many branches does Pacific National Bank have?

8 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs