PNB Community Bank

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

PNB Community Bank is headquartered in NICEVILLE and is the 76th largest bank in the state of Florida. It is also the 3,433rd largest bank in the nation. It was established in 1986 and as of September of 2023, it had grown to 34 employees at 3 locations. PNB Community Bank's money market rates are 30% higher than the national average, and it has a C+ health rating.


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Health Grade Components

FDIC Certificate #26687
Year Established1986
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD17.22%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$147.7MM$150.9MM
LoansQ3 2023vs Q3 2022$106.2MM$101.1MM
DepositsQ3 2023vs Q3 2022$135.1MM$138.2MM
Equity CapitalQ3 2023vs Q3 2022$10.6MM$10.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.4MM$962K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$2.1MM$1.1MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not PNB Community 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.

PNB Community Bank Savings Account Rates

0.01%--Savings Account

PNB Community Bank Money Market Rates

0.57%*$500k*-Platinum Money Market Account
OTHER TIERS: 0.01% Up to $50k | 0.20% $50k - $100k | 0.27% $100k - $250k | 0.42% $250k - $500k
0.23%*$100k*-Premium Money Market Account
OTHER TIERS: 0.17% Up to $10k | 0.19% $10k - $50k | 0.20% $50k - $100k
0.08%*$100k*-Premium Commercial Money Market Account
OTHER TIERS: 0.02% Up to $10k | 0.03% $10k - $25k | 0.04% $25k - $50k | 0.05% $50k - $100k

PNB Community Bank Checking Account Rates

0.01%--Classic Interest Checking
0.01%--VIP Interest Checking

PNB Community Bank CD Rates

4.75%$1k-5 Month CD
4.25%$1k-13 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

0.15%$1k-24 Month IRA
0.15%$1k-36 Month IRA
0.10%$1k-18 Month Variable IRA
0.10%$1k-12 Month IRA
0.10%$1k-18 Month IRA

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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