PNB Community Bank
Niceville, FL · State Bank, Not a Federal Reserve Member · Part of BANKSHARES CORP OF NICEVILLE
Summary
- Total assets: $155 million
- Total deposits: $140 million
- Total loans: $108 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 17.4% |
| Multifamily | 0.0% |
| Owner-occupied commercial real estate | 6.4% |
| Non-owner-occupied commercial real estate | 19.6% |
| Residential | 54.1% |
| Commercial & industrial | 1.6% |
| Consumer & other | 0.9% |
Health indicators
- Tier 1 leverage ratio: 10.32%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 0.04%
- Net charge-offs: 0.03%
- Return on assets: 1.25%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Okaloosa, FL | 1 | $94 million |
| Walton, FL | 2 | $47 million |