A long-standing local bank
It was founded in 1986 as Peoples National Bank of Niceville and took its present name in 2018, when it left the Federal Reserve System. It lends in four counties, all in Florida.
Applications / Mortgage Analytics / Lenders / Florida / PNB Community Bank
PNB Community Bank
Niceville, FL · State non-member bank · FDIC · $158 million assets · 28 loans in 2025
PNB Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PNB Community Bank, a Niceville bank that has reported its lending since 1990, made 28 loans in 2025, down from 46, and holds a steady small share of its home market.
Fewer loans this year
Its loans fell 39%, to 28 from 46. The typical similar lender, meaning state non-member banks making between half and twice as many loans, held flat, and the whole market grew 10%. With so few loans, a handful of deals either way moves the count. It filed no report for 2020, 2021 or 2022, a gap in the record rather than years without lending.
Mostly buyers
Home purchases made up 60.7% of its loans and refinances 32.1%. All were conventional, with no government backing.
Steady in Crestview
In Crestview-Fort Walton Beach-Destin it ranked 90 of 606 lenders, with a share of 0.3% in both years. It has lent there since 1990. In Pensacola it is a minor presence, ranking 380 of 515.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
28 loans in 2025, against a peak of 70 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. PNB Community Bank took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
60.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 60.7% · Refinance 32.1% · Other 7.1%
Conventional 100.0% · of 28 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 2 metros, 4 counties
| State | Loans | Share |
|---|---|---|
| Florida | 28 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Crestview-Fort Walton Beach-Destin | 26 |
| Pensacola-Ferry Pass-Brent | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000XULPSCVX2HV31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 483537 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 121041 | 1990–2017 |
Established 16 June 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PNB Community Bank's data.
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