FL lenders / Community Bank
Pacific National Bank
Community Bank · Miami, FL
- Total assets
- $1.5B
- CRE loan book
- $689.2M
- QoQ CRE growth
- 3.0%
- Q1 2026
Recorded CRE activity — harris County
1 commercial deed of trust recorded recently, verified from county records.
- Jul 13, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.73% as of Q1 2026 — TX bank median 4.87% (1.87pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.73% | 6.69% |
| Q4 2025 | 6.96% | 6.96% |
| Q3 2025 | 6.97% | 7.02% |
| Q2 2025 | 6.86% | 6.80% |
| Q1 2025 | 6.90% | 6.79% |
| Q4 2024 | 6.86% | 6.67% |
| Q3 2024 | 6.80% | 6.50% |
| Q2 2024 | 6.62% | 6.21% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $689.2M | $122.9M | $70.8M | 358% | $0 |
| Q4 2025 | $669.4M | $110.4M | $53.2M | 353% | $0 |
| Q3 2025 | $645.0M | $103.9M | $47.1M | 345% | $0 |
| Q2 2025 | $639.5M | $101.2M | $56.6M | 358% | $0 |
| Q1 2025 | $623.6M | $98.8M | $43.4M | 350% | $0 |
| Q4 2024 | $618.7M | $94.9M | $44.6M | 348% | $0 |
| Q3 2024 | $602.2M | $93.9M | $44.9M | 345% | $0 |
| Q2 2024 | $586.9M | $111.2M | $43.8M | 343% | $0 |
Signals
Pacific National Bank: frequently asked questions
- How large is Pacific National Bank's commercial real estate loan book?
- As of Q1 2026, Pacific National Bank reported $689.2M in commercial real estate loans out of $1.5B in total assets, per its FFIEC Call Report.
- Is Pacific National Bank above the 300% CRE concentration guideline?
- Pacific National Bank's CRE loans stood at 358% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Pacific National Bank growing or shrinking its CRE lending?
- Pacific National Bank's CRE loan book grew 3.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Pacific National Bank in recorded CRE lending?
- 1 commercial deed of trust naming Pacific National Bank as lender has been recorded recently in harris County, verified from county records; the most recent was recorded Jul 13, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
Markets where Pacific National Bank lends
Pacific National Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Last updated Jul 13, 2026 · Sources: FFIEC CDR, county records, first-party conversations.