Overview / Commentary
305-539-3841
1390 Brickell Avenue
Miami, FL 33131

Pacific National Bank is headquartered in Miami and is the 43rd largest bank in the state of Florida. It is also the 1,553rd largest bank in the nation. It was established in 1985 and as of September of 2018, it had grown to 64 employees at 3 locations. Pacific National Bank's money market rates are 5X the national average, and it has a B+ health rating.

Related Posts

Pacific National Bank Boosts Money Market Account APY - 9/13/2018

Pacific National Bank has a nationally available Personal Money Market Account (1.90% APY). The minimum opening deposit and required daily balance is $5k.

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Reviews (3)

Pacific National Bank

Posted by: cheapskate | Aug 9, 2018

I called to see how I would get My CD money returned just knowing they would not be competitive for a renewal.The first thing the CSR said was, please don't leave us. In all my years of banking, I have never had a banker say that to me. To my surprise they offered 2.4% for 12 months. Not the best but OK. I think they want my business. I did renew.

Nice Clean Bank But...

Posted by: crocpa | Nov 7, 2018

I walked into the branch to make a cash deposit and the representative asked me HOW I had obtained the cash. I could not believe my ears. I had to sign a document that stated how I had earned the cash. This is an invasion of my privacy I told her. No bank has ever asked this. I immediately closed my account and went back to my prior bank.

Ripoff-Make Sure Your CD's Don't Mature On A Weekend Or Holiday

Posted by: pwj7050 | Feb 5, 2018

I opened a $100,000 CD 18 months ago online and it happened to mature this past Saturday, 2/3/18. I notified PNB on 1/5/18 that I wanted the CD to be ACH'd back to me upon maturity since their current rates were not competitive. Since the CD matured on a Saturday, they could not return the funds to me until today, 2/5/18. However, they only paid interest through the maturity date even though they had my money 2 additional days. I brought this up to a customer service rep and he said that my agreement stated that I would not earn interest past the maturity date even though the maturity date, SELECTED BY PNB, was a Saturday. That's just not right! I won't deal with them again.



Health
B+

Health Grade Components

Overall
FDIC Certificate #26299
Year Established1985
Employees64
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD3.89%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$452.2MM$516.1MM
LoansQ3 2018vs Q3 2017$322.5MM$343.1MM
DepositsQ3 2018vs Q3 2017$321.4MM$373.1MM
Equity CapitalQ3 2018vs Q3 2017$66.5MM$60.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.2MM$2.0MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$1.6MM
Real Estate OwnedQ3 2018vs Q3 2017$1.8MM$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Pacific National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pacific National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Savings Account
OTHER TIERS: 0.20% $1k - $50k

Pacific National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$5k$240kMMDA Special (New Money Only)
2.25%$5k$240kMMDA Online Special (New Money Only)
0.85%*$1m*-Money Market
OTHER TIERS: 0.50% $10k - $50k | 0.60% $50k - $100k | 0.70% $100k - $1m

Pacific National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$1m*-Super Now Account
OTHER TIERS: 0.20% $2.5k - $1m
0.10%--Business Interest Checking

Pacific National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$1k-18 Month CD Special - New Money
2.80%$1k$240k18 Month CD Online Promotional CD - New Money
2.70%$1k$240k13 Month Promotional CD - New Money
2.70%$1k$240k13 Month Online Promotional CD - New Money
2.50%$1k$240k12 Month Online Promotional CD - New Money
2.50%$1k$240k12 Month Promotional CD - New Money
Locations


Pacific National Bank Locations
Pacific National Bank1390 Brickell AvenueMiami, FL 33131
Coral Gables Branch255 Aragon AvenueCoral Gables, FL 33134
Aventura Branch18285 Biscayne BlvdMiami, FL 33160

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