Bank · FDIC insured
PNB Community Bank
A $155.2M bank headquartered in Niceville, FL, with 3 branches in Florida. Best rates: CDs 3.69% and savings 0.19% APY.
PNB Community Bank Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#12 of 15 in Crestview, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About PNB Community Bank
PNB Community Bank was established in June 1986 as Peoples National Bank and is a locally owned and operated bank.
The bank serves Okaloosa and Walton Counties with offices in Niceville, Freeport, and DeFuniak Springs.
Construction loans form the foundation of the bank's business.
- Headquarters
- 1020 John Sims Pkwy E, Niceville, FL 32578
- FDIC certificate
- 26687 ↗
Branches
3 branches in Florida
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Florida
3 branches
- PNB Community BankMain office1020 John Sims Pkwy E, Niceville, FL 32578Directions
- Defuniak Springs Branch1452 Us Highway 331 S, DeFuniak Springs, FL 32435Directions
- Freeport Branch15835 331 Business, Freeport, FL 32439Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.32% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.04% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.24% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $77 | $81 | — |
- CapitalLeverage ratio10.32%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.04%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.24%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$77Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of PNB Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.