PNB Community Bank
Niceville, FL
IDRSSD: 483537
Total Assets
$153.33M
Latest filing
Total Deposits
$138.30M
Latest filing
Net Interest Margin
4.86%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
PNB Community Bank
1020 John Sims Pkwy E
Niceville, FL 32578
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/16/1986FDIC Certificate 35706
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| PNB Community Bank (Main) | 1020 John Sims Pkwy E | Niceville, FL |
| FREEPORT BRANCH | 15835 331 Business | Freeport, FL |
| DEFUNIAK SPRINGS BRANCH | 1452 Us Highway 331 S | Defuniak Springs, FL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/16/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32578 |
| State and County Number | 12091 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Crestview-Fort Walton Beach-Destin, FL |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/16/1986 |
| Primary Insurance Agency | DIF |
| Website | pnbcommunity.bank |
| Data Updated | 11/14/2025 |
| CERT | 26687 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.33M |
| Total Deposits | $138.30M |
| Total Liabilities | $139.78M |
| Total Equity Capital | $13.55M |
| Net Income | $491.00k |
| Net Loans and Leases | $108.09M |
| Assets Per Employee ($Millions) | $3.93M |
| Bank Premises and Fixed Assets | $1.74M |
| Cash and Balances due from Depository Institutions | $8.46M |
| Deposits Held in Domestic Offices | $138.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 14.77% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 67.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.838% |
| Earning Assets to total Assets | 95.56% |
Income and Expense
| Total Interest Income | $2.18M |
| Total Noninterest Income | $223.00k |
| Total Interest Expense | $378.00k |
| Total Noninterest Expense | $1.37M |
| Net Interest Income | $1.81M |
| Pre-tax Net Operating Income | $661.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $600.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.48M |
| Total Liabilities and Capital | $153.33M |
Securities
| Securities | $32.80M |
| Available-for-sale debt securities | $32.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of PNB Community Bank?
$153.33M as of the latest filing.
How much are PNB Community Bank's total deposits?
$138.30M in total deposits.
Where is PNB Community Bank located?
Niceville, FL.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
3.
When was it established?
06/16/1986.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$108.09M (latest filing).
What is the total interest income (latest filing)?
$2.18M.