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PNB Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 77th largest bank in the state of Florida. It is also the 3,331st largest bank in the nation. It was established in 1986 and as of March of 2025, it had grown to 41 employees at 3 locations. PNB Community Bank has a C+ health rating.

Reviews

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Health
C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #26687
Year Established1986
Employees41
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD15.79%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$158.9MM$151.5MM
LoansQ1 2025vs Q1 2024$115.6MM$111.4MM
DepositsQ1 2025vs Q1 2024$144.4MM$138MM
Equity CapitalQ1 2025vs Q1 2024$12.8MM$11.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.4MM$1.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for PNB Community Bank are currently being reviewed.

Locations


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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