Is Pacific National Bank Safe?
Pacific National Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (75/100).
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.
Pacific National Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (75/100).