PNB Community Bank

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Overview / Commentary

pnbcommunity.bank

850-678-3110

1020 John Sims Parkway E
Niceville, FL 32578

PNB Community Bank is headquartered in NICEVILLE and is the 78^th largest bank in the state of Florida. It is also the 3,356^th largest bank in the nation. It was established in 1986 and as of June of 2024, it had grown to 40 employees at 3 locations. PNB Community Bank's money market rates are 30% higher than the national average, and it has a B health rating.

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2009

8/27 - 2.32% 9-Month CD at Peoples National Bank in the Florida Panhandle - Local Only

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Health

B

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	26687
Year Established	1986
Employees	40
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	14.55%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$156.7MM$149.2MM
Loans	Q2 2024vs Q2 2023	$110.6MM$106.8MM
Deposits	Q2 2024vs Q2 2023	$142.9MM$136.1MM
Equity Capital	Q2 2024vs Q2 2023	$11.9MM$11.1MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$1.4MM$1.4MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.4MM$1.9MM
Real Estate Owned	Q2 2024vs Q2 2023	$616K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

PNB Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$0	-	Savings Account

PNB Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.57%^*	$500k^*	-	Platinum Money Market Account
OTHER TIERS: 0.01% → $0 - $50k \| 0.20% → $50k - $100k \| 0.27% → $100k - $250k \| 0.42% → $250k - $500k
0.23%^*	$100k^*	-	Premium Money Market Account
OTHER TIERS: 0.17% → $0 - $10k \| 0.19% → $10k - $50k \| 0.20% → $50k - $100k
0.08%^*	$100k^*	-	Premium Commercial Money Market Account
OTHER TIERS: 0.02% → $0 - $10k \| 0.03% → $10k - $25k \| 0.04% → $25k - $50k \| 0.05% → $50k - $100k

PNB Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$0	-	Classic Interest Checking
0.01%	$0	-	VIP Interest Checking

PNB Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.75%	$1k	-	5 Month CD
4.50%	$1k	-	9 Month CD
0.15%	$1k	-	24 Month CD
0.15%	$1k	-	36 Month CD
0.10%	$1k	-	12 Month CD
0.10%	$1k	-	18 Month CD
0.05%	$1k	-	6 Month CD
0.03%	$1k	-	3 Month CD

PNB Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$1k	-	12 Month IRA
0.15%	$1k	-	24 Month IRA
0.15%	$1k	-	36 Month IRA
0.10%	$1k	-	18 Month Variable IRA
0.10%	$1k	-	18 Month IRA

Locations

PNB Community Bank Locations
Peoples National Bank	1020 John Sims Parkway E	Niceville, FL 32578
Defuniak Springs Branch	1452 Highway 331, South	Defuniak Springs, FL 32433
Freeport Branch	15835 331 Business	Freeport, FL 32439

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