PNB Community Bank

Overview / Commentary
1020 John Sims Parkway E
Niceville, FL 32578

PNB Community Bank is headquartered in NICEVILLE and is the 77th largest bank in the state of Florida. It is also the 3,410th largest bank in the nation. It was established in 1986 and as of March of 2024, it had grown to 38 employees at 3 locations. PNB Community Bank has a B health rating.


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Health Grade Components

FDIC Certificate #26687
Year Established1986
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD13.94%
Annual Interest Income$2MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$151.5MM$150.8MM
LoansQ1 2024vs Q1 2023$111.4MM$105.1MM
DepositsQ1 2024vs Q1 2023$138MM$137.9MM
Equity CapitalQ1 2024vs Q1 2023$11.4MM$10.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.4MM$1.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2MM$1.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Rates for PNB Community Bank are currently being reviewed.


PNB Community Bank 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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