FDIC certificate 26687
PNB Community Bank
Niceville, Florida · 1020 John Sims Pkwy E 32578
Hunter Score
This bank ranks above the middle of its size group.
Down 6 points from last quarter.
Compared with 1,208 banks with $100 million to $300 million in assets.
A high score is not a recommendation to buy or sell.
What stands out
PNB Community Bank has a Hunter Score of 64 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $100 million to $300 million in assets.
The FDIC reported net interest margin of 4.84% (field NIMY). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 87 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 68.51% (field EEFFR). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 37 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Florida with $100 million to $300 million in assets, ordered by Hunter Score.
- First Colony Bank of Florida76out of 100
- Surety Bank65out of 100
- Lafayette State Bank63out of 100
- Bank of Belle Glade55out of 100
- Bank of Pensacola50out of 100
Top Hunter Scores in Florida · Top scores with $100 million to $300 million in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
14.18%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 66 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.24%
Profit for each dollar of assets. Higher is stronger.
Peer rank 52 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.84%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 87 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
68.51%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 37 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.04%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 76 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202664 out of 100
- Q1 2026, ending March 31, 202670 out of 100
- Q4 2025, ending December 31, 202569 out of 100
- Q3 2025, ending September 30, 202568 out of 100
- Q2 2025, ending June 30, 202559 out of 100
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About this bank
- Total assets
- $155.2 million
- Deposits
- $140.3 million
- Equity
- $13.8 million
- Tangible equity
- $13.8 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 3
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $970,000Year-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Bankshares Corp of Niceville, Niceville, FL. Federal Reserve RSSD 1363793.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
1020 John Sims Pkwy E, Niceville, FL 32578
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.