Pnb Community Bank is a bank based in Niceville, Florida, established in 1986, with $155 million in total assets across 3 branches. By Trust Grade it ranks 34th of 83 banks we track in Florida. Its capital ratio of 9.0% trails most similarly sized banks (29th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.37% return on assets. No consumer complaints against Pnb Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Pnb Community Bank compares to Florida peers
How we graded Pnb Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Strongly profitable (ROA 1.37%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Pnb Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 1020 John Sims Pkwy E, Niceville, FL 32578
- 15835 331 Business, Freeport, FL 32439
- 1452 Us Highway 331 S, Defuniak Springs, FL 32435
Are deposits at Pnb Community Bank insured?
Yes. Pnb Community Bank is an FDIC-insured bank (FDIC certificate #26687). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Pnb Community Bank: frequently asked questions
Is Pnb Community Bank a good bank?
Pnb Community Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Strongly profitable (ROA 1.37%).
Is Pnb Community Bank FDIC-insured?
Yes. Pnb Community Bank is a FDIC-insured bank (FDIC certificate #26687). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Pnb Community Bank?
Pnb Community Bank holds $155 million in total assets, ranking 34th of 83 banks we track in Florida. It operates 3 branches.
Does Pnb Community Bank have CFPB complaints?
No CFPB complaints against Pnb Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
