B
Pacific National Bank
MiamiFL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Pacific National Bank
Miami, FL
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 4.30
Profitability Index 5.20
Stability Index 8.30
Company Info Pacific National Bank
Miami, FL
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FDIC Number 26299
Phone Number (305) 539-7500
Website www.pnb.com
Asset Quality Pacific National Bank
Miami, FL
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1-Year Asset Growth 13.23%
5-Year Asset Growth 21.82%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.11%
Non-Performing Loans to Loans 0.04%
Balance Sheet Pacific National Bank
Miami, FL
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Total Assets 1.46B
Total Deposits 1.21B
Capital and Reserves Pacific National Bank
Miami, FL
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Capital 158.64M
Leverage Ratio 11.12
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio 16.20
Liquidity Pacific National Bank
Miami, FL
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Hot Money Ratio 33.36%
Liquidity Ratio 40.13%
Profitability Pacific National Bank
Miami, FL
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5-Year Return on Average Assets 0.80%
Net Income 9.87M
Net Interest Spread 3.39%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 58.79%
Return on Assets 0.97%
Return on Equity 8.56%