# PACIFIC NATIONAL BANK
MIAMI, FL · FDIC certificate 26299 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.61B | |
| Deposits | $1.33B | |
| Loans and leases | $975.5M | |
| Total equity | $171.8M | |
| Loans / deposits | 72.98% (p21 of band) | 87.10% |
| Liquid assets / assets | 36.50% (p86 of band) | |
| Uninsured deposits / deposits | 27.76% (p41 of band) | 30.76% |
| Brokered deposits | 3.44% | |
| Wholesale funding | 9.46% (p62 of band) | |
| FHLB advances / assets | 6.02% | |
| Tier 1 leverage | 10.80% (p57 of band) | 10.50% |
| Unrealized securities loss / equity | -0.87% (p89 of band) | -7.75% |
| AOCI / equity | 0.24% (p88 of band) | |
| ROA (annualized) | 1.15% (p41 of band) | 1.26% |
| Net interest margin | 3.43% (p33 of band) | 3.70% |
| Efficiency ratio | 55.31% (p39 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p56 of band) | |
| Reserve coverage of noncurrent | 4781.88% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 66.19% (p68 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $59.0M (34% of equity) (p95 of band) | |
| Deposits YoY | 19.1% | |
| Employees | 144 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 5 |  | noncurrent p90 |
| 2011-12 | 4 |  | brokered >10% |
| 2012-03 | 6 | capital falling, noncurrent p90 |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 4 |  | losing money, capital falling |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 6 | losing money, charge-offs p90, deposits shrinking | noncurrent p90, uninsured deposits leaving |
| 2013-06 | 7 | capital falling |  |
| 2013-09 | 6 |  | charge-offs p90 |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 | uninsured deposits >50% | losing money, deposits shrinking, capital falling |
| 2014-06 | 3 |  | uninsured deposits >50% |
| 2014-09 | 3 |  |  |
| 2014-12 | 5 | losing money, NIM <2.5% |  |
| 2015-03 | 3 |  | losing money, NIM <2.5% |
| 2015-06 | 3 | uninsured deposits >50% | wholesale funding >15% |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 2 |  | expense ratio p90, uninsured deposits >50% |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | capital falling | uninsured deposits leaving |
| 2017-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 4 | loans exceed deposits |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 1 | expense ratio p90 | uninsured deposits leaving, deposits shrinking, assets shrinking, loans exceed deposits |
| 2019-03 | 1 | capital falling | expense ratio p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, expense ratio p90 |  |
| 2020-06 | 4 | NIM <2.5% |  |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 0 |  | capital falling, expense ratio p90, NIM <2.5% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2022-12 | 0 |  | uninsured deposits >50%, capital falling |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-26 [Miami bank opens 1st branch in New York City - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNRDV5RjZEcG5mQWwtS01RNjVKdDR3SGJxWGpuVWU1SlVyVW05aC1welJOZ0xNYklxT2stOENHX1JFX1ZpX1ByRVFleDRUT0JQWWVraDA4THo0NGhRNGs0UENaSTFfbFoxeEctS3VScTE1Mk9mTWp6dmhZaXE4NU9BYm5tX1lUNy1jRlpFNF9yN2tIQ3JoZ1YwM2hrdE5nQjFVSDB1N3lDUDhaX2tsZTFj?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-08 [South Florida bank opens 1st New York branch - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaE4zQVFKdzh1ZGJZRjkwV2RJY2hUQzh4MGUyYW5PV243U3k1ZjZYLVJHT0FuOHB0SEpEaDBXLXV4ajlfVXBGZXBTR1ZsUW5kMWo5X2ZkRTVlaHZEY3hTVzNnTV9wODlCYWVmWFZ5dV9Jb3JJenlyakoxdkVDRVJkSDlWOFFyYTE1SWw5clROVlhSV0kzakE5ckZuWnRBS2pkNGM4Q3NJTDZIYlY1T0E?oc=5) · The Business Journals
- 2024-02-29 [PACIFIC NATIONAL BANK HIRES NEW RELATIONSHIP BANKING TEAM - Miami's Community News](https://news.google.com/rss/articles/CBMirAFBVV95cUxNUF81bzFNb0E1YVJHMTN6SGozTFZwdG8zSFc0R2tDaU5QVE83Mi0xck9QdFEzZnpXc2ZhdXI1azByejBsZm5LRy0zcm10MnNob1FRaE9mSlNJQzc3OUJJVmVwb0dEZXg5eFMwRVZrVGEySTVLTTVjZVZrUHN6eXhjakxiR3ZJVE5rc0VWOEhSV1JqbklTa1JiY1l6MW1PR1J1bDZPZENTN3R2Mkl5?oc=5) · Miami's Community News
- 2014-11-03 [Pacific National under new ownership - Miami Herald](https://news.google.com/rss/articles/CBMibkFVX3lxTE5OeDBhLUpnVS1KU2ZKRnZCdGVCUVlKdGI3QWFjSGduQ0NXTzZVMUlSTnZsM0E5TXYybmJickpjcUpiX2xWUmprWXFUNEhtZnZBMnlEVmdiS05aYzNyMTBxV014Y3kzNFRFcF9LQWVB0gFuQVVfeXFMTmFocVd6ZHc0VHppXzZDUmFyZ21ici13M3NreUhXS1B5bXRzOVRnRE5YUkJqdkJxRlVTYjZ1VG9MeTdJcGtwTU85R3lkMFZVV1IzaHN0NUt4a25Gb1dmTDZKWVhoQ3cwYjI2T2dKRnc?oc=5) · Miami Herald
- 2020-05-19 [Pacific National Bank Goes Live with NYMBUS to Launch FACILE - financialit.net](https://news.google.com/rss/articles/CBMikwFBVV95cUxNTnRUVFBpZklnREc5SFJnWnZDTzNrNTJIYlpSTWRLMTlCV2ZPcThndmx4dUgtN1FyQU43Ti1ITTV4a24xczR4THh3MHdLSGlDZDdIQk9vYWhmWmFZV1NaTW1RU0dLbG9NRUlZRWI5S1hNSnZWOFBfLTQ4WHM3c2swRzVfeUptd3ZtdzFfS3ZUSmZZUWc?oc=5) · financialit.net
- 2021-11-12 [Miami Laker Profile: Carlos Fernandez Guzman - The Miami Laker](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaXE3N1ZvMHBmbTUxRTZkVVdtZnZmYVFQeXoycWlMNTU0ZUNsc0NjZlZ1RjZtQ2lMTlVqb3dKbGNzT0R5OFE1aHV2dWQ2ZjY3b1MySG5MMkJUS0ctQTMtUDBDZEtYOVF6YUpyQ184ZG1IV1d4NTZVYXFYcUd6Uk42Sg?oc=5) · The Miami Laker
- 2015-05-07 [Movers & Shakers: Tiburon man named president and CEO of Trans Pacific National bank - Marin Independent Journal](https://news.google.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?oc=5) · Marin Independent Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26299 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/59.json (key "26299", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide