How Big Is Pacific National Bank?
Pacific National Bank holds $1.2B in total assets and $998M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 780th-largest of the 3,960 FDIC-insured banks we track — in the top 20% by size. Those figures come from Pacific National Bank's latest FDIC call report (cert #26299); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
This page answers a common banking-safety question: How Big Is Pacific National Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Pacific National Bank Size at a Glance
- Total assets
- $1.2B
- Total deposits
- $998M
- Domestic deposits
- $998M
- Size class
- mid-size bank
- Rank by assets
- #780 of 3,960
- Headquarters
- Miami, Florida
Source: FDIC Call Report data (cert #26299). Figures reflect the latest reported quarter.
With $1.2B in total assets, Pacific National Bank is a strong regional or community bank, with $1 billion to $10 billion in assets. Nationally, that makes it the 780th-largest of the 3,960 FDIC-insured banks we track, in the top 20% by size. The bank funds those assets largely with $998M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.25% | 100/100 |
| Nonperforming Loan Ratio | 0.02% | 100/100 |
| Liquidity Ratio | 27.22% | 89/100 |
| Return on Assets | 1.37% | 75/100 |
| Total Assets | $1.2B | |
How does Pacific National Bank compare?
With a Bank Health Score of 95/100, Pacific National Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, Pacific National Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 16.25% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.02% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Pacific National Bank's Bank Health Score fell by 4.0 points to 95/100. Tier 1 capital weakened by 1.22 percentage points to 16.25%. Quarter-over-quarter, the score fell by 2.0 points.
Frequently Asked Questions
Pacific National Bank holds $1.2B in total assets and $998M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 780th-largest of the 3,960 FDIC-insured banks we track — in the top 20% by size. Those figures come from Pacific National Bank's latest FDIC call report (cert #26299); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
Pacific National Bank ranks 780th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 20% by size. Its $1.2B in assets classify it as a mid-size bank.
Pacific National Bank reports $1.2B in total assets and $998M in total deposits ($998M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Pacific National Bank earns a Bank Health Score of 95/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $1.2B asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Pacific National Bank (FDIC certificate #26299) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Pacific National Bank
Pacific National Bank holds $1.2B in total assets and $998M in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 780th-largest of the 3,960 FDIC-insured banks we track — in the top 20% by size. Those figures come from Pacific National Bank's latest FDIC call report (cert #26299); it is a strong regional or community bank, with $1 billion to $10 billion in assets.