Overview / Commentary
1020 John Sims Parkway
Niceville, FL 32578

Peoples National Bank (FL) is headquartered in Niceville and is the 104th largest bank in the state of Florida. It is also the 4,186th largest bank in the nation. It was established in 1986 and as of September of 2018, it had grown to 41 employees at 3 locations. Peoples National Bank (FL) has a B health rating.

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Peoples National Bank (FL) has a relatively low asset base.

Health Grade Components

FDIC Certificate #26687
Year Established1986
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.59%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$97.3MM$105.7MM
LoansQ3 2018vs Q3 2017$58.3MM$52.2MM
DepositsQ3 2018vs Q3 2017$86.9MM$94.3MM
Equity CapitalQ3 2018vs Q3 2017$10.3MM$11.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$725.00K$690.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.1MM$909.00K
Real Estate OwnedQ3 2018vs Q3 2017$96.00K$604.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples National Bank (FL) Savings Account Rates

0.10%--Savings Account

Peoples National Bank (FL) Money Market Rates

0.35%*$100k*-Platinum Plus Investment Account
OTHER TIERS: 0.30% $50k - $100k
0.25%*$100k*-Premium Plus Investment Account
OTHER TIERS: 0.15% Up to $50k | 0.20% $50k - $100k
0.25%*$100k*-Commercial Premium Plus Account
OTHER TIERS: 0.15% Up to $50k | 0.20% $50k - $100k

Peoples National Bank (FL) Checking Account Rates

0.10%--Classic Interest Checking
0.10%--VIP Interest Checking

Peoples National Bank (FL) CD Rates

0.55%$10k-36 Month CD
0.50%$10k-24 Month CD
0.40%$10k-12 Month CD
0.40%$10k-18 Month CD
0.20%$10k-6 Month CD
0.05%$10k-3 Month CD

Peoples National Bank (FL) IRA Rates

0.55%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.40%$1k-18 Month Variable IRA
0.40%$1k-12 Month IRA
0.40%$1k-18 Month IRA

Peoples National Bank (FL) Locations
Peoples National Bank1020 John Sims Parkway ENiceville, FL 32578
Defuniak Springs Branch1452 Highway 331, SouthDefuniak Springs, FL 32433
Freeport Branch15835 331 BusinessFreeport, FL 32439

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