Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #26299 · Miami, Florida · Est. 1985
Pacific National Bank - FDIC Bank Health Profile
A community-scale look at Pacific National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- A
- Health grade · Excellent
- 1.01%
- Return on assets
- 15.4%
- Tier 1 capital
Data updated July 2026
The verdict
Pacific National Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.44% Tier 1, profitable at 1.01% ROA, efficient (58% cost ratio).
- #760
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 15.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Pacific National Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pacific National Bank's composite health score
Tier 1 Capital Ratio (15.44%) 40/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (0.12%) 20/20
Efficiency Ratio (58.48%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$917M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pacific National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pacific National Bank's score of 92/100 falls in the highlighted band.
Pacific National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pacific National Bank's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.44%
Texas Ratio
0.12%
Equity Capital
$163M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
9.03%
Efficiency Ratio
58.48%
What the numbers say about Pacific National Bank
Pacific National Bank is an FDIC-insured institution (Certificate #26299) headquartered in Miami, Florida, established in 1985. It holds $1.5B in total assets - 760th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $917M in net loans. Its capital position: a Tier 1 ratio of 15.44%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.12% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pacific National Bank sits 24th of 83 banks headquartered in Florida by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$85M
Interest Income
$2M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pacific National Bank reports a Texas Ratio of 0.12% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.12% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pacific National Bank (FDIC Cert #26299) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Pacific National Bank's health grade?▼
Pacific National Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Pacific National Bank?▼
Pacific National Bank holds $1.5B in total assets and $1.2B in deposits, ranking 760th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at Pacific National Bank?▼
Yes, deposits at Pacific National Bank (Certificate #26299) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pacific National Bank's Tier 1 Capital Ratio?▼
Pacific National Bank has a Tier 1 Capital Ratio of 15.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pacific National Bank?▼
Pacific National Bank has a Texas Ratio of 0.12%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pacific National Bank?▼
Pacific National Bank has an Efficiency Ratio of 58.48%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pacific National Bank's profile as a depositor or analyst.
- Pacific National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pacific National Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.