TellerScore

PNB Community Bank is a state-chartered bank headquartered in Niceville, Florida, in business for about 40 years. At the end of Q2 2026 it reported $155.2M in total assets and $140.3M in deposits, with 3 offices.

PNB Community Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 19th. Loan quality contributes the most (99/100, 0.04%); capital cushion contributes the least (53/100, 10.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 76.2% · 26.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.31%

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

From Q2 2025 to Q2 2026, the score rose 13 points (62 → 75), mostly because the loan quality component improved by 43 points.

TellerScore
446075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202458
Q4 202457
Q1 202544
Q2 202562
Q3 202574
Q4 202573
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20249.55%
Q4 20249.37%
Q1 20259.56%
Q2 20259.78%
Q3 20259.89%
Q4 20259.75%
Q1 20269.96%
Q2 202610.32%
Noncurrent loans
0.04%1.52%3.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.28%
Q3 20241.32%
Q4 20241.30%
Q1 20253.00%
Q2 20251.31%
Q3 20250.07%
Q4 20250.06%
Q1 20260.04%
Q2 20260.04%
Return on assets
0.89%1.13%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20240.91%
Q4 20240.89%
Q1 20251.24%
Q2 20251.27%
Q3 20251.27%
Q4 20251.26%
Q1 20261.37%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$155.2M10.32%0.04%1.24%76.2%
Q1 202675$154.7M9.96%0.04%1.37%76.5%
Q4 202573$157.7M9.75%0.06%1.26%75.3%
Q3 202574$153.3M9.89%0.07%1.27%78.2%
Q2 202562$157.0M9.78%1.31%1.27%77.5%
Q1 202544$158.9M9.56%3.00%1.24%80.1%
Q4 202457$155.2M9.37%1.30%0.89%80.6%
Q3 202458$156.0M9.55%1.32%0.91%80.0%
Q2 202458$156.7M9.34%1.28%1.09%77.4%

2,650 peers · $100 million – $1 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 ratio10.32%
38th
Total risk-based capital0.00%
24th
Problem loans0.04%
80th
Net charge-offs0.03%
34th
Return on assets1.24%
50th
Net interest margin4.84%
89th
Efficiency ratio68.5%
33rd
Loans to deposits76.2%
57th
Uninsured deposits26.3%
40th
Loan-loss reserves1.29%
61st
Texas ratio0.3%
81st

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Belle GladeBank Belle Glade, FL72 out of 100, Strong$160.1M10.2%0.00%vs
Bank of PensacolaBank Pensacola, FL73 out of 100, Strong$147.0M9.8%0.00%vs
The Warrington BankBank Pensacola, FL88 out of 100, Very strong$173.9M16.7%0.00%vs
Gulf Coast Business BankBank Fort Myers, FL70 out of 100, Strong$186.6M12.5%0.00%vs
Peoples Bank of GracevilleBank Graceville, FL75 out of 100, Strong$115.8M10.3%0.34%vs
Commerce Bank & TrustBank Winter Park, FL44 out of 100, Below average$197.9M10.5%3.44%vs

Deposit insurance

Is my money safe at PNB Community Bank?

Yes. PNB Community Bank is an FDIC-insured institution (FDIC certificate #26687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($37.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

PNB Community Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PNB Community Bank reported 34 home-loan applications under HMDA (LEI 5493000XULPSCVX2HV31): 28 originated ($11,820,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
PNB Community Bank
Former names
Peoples National Bank of Niceville; Peoples National Bank
Type
State-chartered bank
FDIC certificate #
26687
RSSD ID
483537
Primary regulator
FDIC
Holding company
Bankshares Corp of Niceville
Established
June 16, 1986
Headquarters
1020 John Sims Pkwy E, Niceville, FL 32578
Employees
37

Quick answers

PNB Community Bank: common questions

Is PNB Community Bank FDIC insured?

Yes. PNB Community Bank is an FDIC-insured institution (FDIC certificate #26687). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PNB Community Bank's TellerScore?

75 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 PNB Community Bank ever failed?

There is no failure record for FDIC certificate #26687 in the FDIC failed bank list.

How many branches does PNB Community Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Niceville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Fnbt BankBank Fort Walton Beach, FL79 out of 100, Strong$628.5M11.1%0.00%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
BankPlusBank Belzoni, MS71 out of 100, Strong$8.4B10.8%0.64%vs