Pacific National Bank

What Pacific National Bank does

Pacific National Bank (PNB, N.A.) is a privately held, FDIC-insured full-service community bank founded in 1982 and headquartered at 1390 Brickell Avenue in Miami, Florida. The bank operates 8 branches—7 across South Florida (Brickell, Coral Gables, Pinecrest, Aventura, Weston, Boca Raton) and a newly opened Midtown Manhattan location (152 West 57th Street, opened February 2026)—and serves individual consumers, small and mid-sized businesses, international clients, and foreign national real estate investors. PNB monetizes primarily through net interest income on commercial, real estate, and consumer loans (including a specialty NRA Foreign National mortgage program covering loans of $175,000-$1.5 million in Miami-Dade, Broward, and Palm Beach counties) supplemented by deposit account fees, treasury management fees, and CD spread income; deposit products are tiered with minimum balance requirements, monthly maintenance fees, and per-item charges, while advertised CD yields stood at 4.00-4.10% APY as of June 2026.

The technology stack combines a conventional digital banking platform (iOS and Android mobile app, online banking, mobile check deposit, digital card management, eStatements, Apple/Google/Samsung Pay support) with a business cash management suite that includes ACH origination, Positive Pay fraud prevention, Remote Deposit Capture, Business Bill Pay, wire transfers with dual authorization, and the SmartPay Express receivables platform. The bank leverages IntraFi Network's ICS and CDARS programs to provide multi-million dollar FDIC-insured sweep coverage, and integrates with Equifax, Experian, and TransUnion for credit reporting and onboarding verification. Distribution is omnichannel: bilingual branch-based relationship banking supported by 24/7 digital self-service, telephone banking, and surcharge-free Publix ATM access via the Shazam network.

PNB is led by President & CEO Carlos Fernandez-Guzman with CFO Will Bermudez, Chief Credit Officer Robert Garrett, Chief Operations Officer Frank Casal, and Chief Investment Officer Peter Brunell; the Board of Directors is chaired by Clemencia De Tobon. The bank has received consecutive 'Best Banks to Work For' recognition from American Banker (2024-2025) and was named a Best Workplace by the Miami Herald in 2025. Revenue, asset size, and detailed financial metrics are not disclosed in the available data, limiting quantitative triangulation of scale.

Name

Pacific National Bank

Legal name

Pacific National Bank, N.A.

Website

https://pnb.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

Pacific National Bank is a privately held, FDIC-insured community bank founded in 1982, operating 8 branches across South Florida and New York City, serving individual consumers, small and mid-sized businesses, international clients, and foreign national real estate investors with relationship-based banking and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Private Banking Cross-Border & International Wealth Services (FSABADAL), Offshore & International Private Banking (FSAAABAB)

Keywords

• Community banking services
• Commercial lending products
• Treasury management services
• International banking services
• Foreign national mortgages

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on commercial loans, real estate loans, term loans, lines of credit, and international/NRA foreign national mortgages. This includes financing for retail centers, hotels, warehouses, equipment, and working capital.
2. Deposit Account Fees and Charges: Monthly maintenance fees on checking, savings, and money market accounts based on minimum balance requirements. Business analysis checking accounts charge monthly maintenance plus per-item fees. International accounts have tiered fee structures based on account type and balance minimums.
3. Treasury Management and Cash Management Fees: Fees for treasury management services including ACH origination, wire transfers, Remote Deposit Capture, Positive Pay, and Business Bill Pay. These services are offered at competitive fees with functionality that enhances efficiency.
4. Certificate of Deposit Interest Spreads: The bank offers CDs with competitive rates (4.10% APY for 6-month, 4.05% for 9-month, 4.00% for 12-month as of June 2026), generating spread income between what is paid to depositors and earned on loans.
5. International Banking Services: Fees from international business and personal accounts including higher minimum balance requirements, trade finance services, letters of credit, and foreign exchange transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Pacific National Bank is a full-service community bank that accepts consumer and business deposits (checking, savings, money market, and CDs) and originates commercial, real estate, SBA, and NRA foreign national mortgage loans. It delivers relationship banking through eight physical branches plus online and mobile banking channels, complemented by a Treasury Management suite (ACH origination, Positive Pay fraud prevention, Remote Deposit Capture, wire transfers, and SmartPay Express) and specialized international personal, business, and trade finance services for U.S. and foreign-national clients.

Product overview

Pacific National Bank is a full-service community bank serving South Florida and New York City, offering a unified banking platform centered on relationship banking. The core product portfolio includes Online & Mobile Banking with integrated Bill Pay, Digital Wallet, eStatements, and Digital Card Management; comprehensive Treasury Management services featuring ACH Origination, Positive Pay, Remote Deposit Capture, Business Bill Pay, Wire Transfers, and SmartPay Express; Personal and Business deposit products (Checking, Savings, Money Market, CDs); Business Lending including term loans, lines of credit, SBA lending, and the NRA Foreign National Program for international real estate investors; International Banking services with trade finance and foreign exchange; Sweep Programs through IntraFi Network (ICS/CDARS); and specialized offerings like the My Money Program for financial literacy and Financial Calculators for planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking & Money Market Accounts Personal Checking, Interest Checking, and Money Market accounts with monthly maintenance fees waived when minimum average daily balance thresholds are met, plus digital banking and eStatements access. Designed for individual consumers who want relationship banking with digital access.
• Personal Savings & Certificates of Deposit Personal Savings accounts plus Certificates of Deposit (CDs) with competitive rates, automatic renewal, and a 10-calendar-day grace period for penalty-free withdrawals at maturity. APY-targeted products include 6-month (4.10%), 9-month (4.05%), and 12-month (4.00%) promotional CDs as of June 2026.
• ATM & Debit Cards PNB Visa debit cards providing surcharge-free ATM access at Publix locations, digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay), account alerts, and nationwide ATM network access for individual and business customers.
• Online & Mobile Banking Web and mobile (iOS and Android) banking applications enabling 24/7 balance checks, fund transfers, bill payments, mobile check deposits via smartphone camera, eStatements, and digital card management for PNB customers.
• Bill Pay Electronic bill payment service supporting one-time and recurring payments to utilities, rent, insurance, and other payees, with email reminders and payment history tracking.
• Digital Wallet Mobile payment integration enabling customers to add the PNB debit card to Apple Pay, Google Pay, or Samsung Pay for contactless in-store and online purchases.
• Digital Card Management Self-service debit card controls delivered via the PNB mobile app, including card activation, lock/unlock, lost/stolen reporting, and adding the card to a digital wallet.
• eStatements Electronic statement delivery with email notifications, secure online access, and download/print capabilities that replace paper mail delivery for deposit and loan accounts.
• Sweep Programs (ICS / CDARS) FDIC insurance optimization via IntraFi Network partnerships offering Insured Cash Sweep (ICS) for checking, savings, and money market accounts and CDARS for certificate of deposit accounts, enabling multi-million-dollar FDIC coverage through a single banking relationship.
• Business Checking & Money Market Accounts Business Regular Checking with bundled transactions, Business Interest Checking, Business Analysis Checking with per-item pricing offset by earnings credits, Business Money Market, IOTA accounts for attorneys, and international business checking variants. Designed for small and mid-sized businesses, including HOAs, nonprofits, law firms, and property managers.
• Business Savings & CDs Business savings accounts and certificates of deposit with liquidity features, competitive rates, automatic renewal, and up to 10 calendar days after maturity for penalty-free withdrawals. Designed for small and mid-sized businesses.
• Treasury Management Suite Comprehensive business cash management suite combining ACH origination, Positive Pay fraud prevention, Remote Deposit Capture, wire transfers, Business Bill Pay, and SmartPay Express online receivables for small and mid-sized businesses.
• ACH Origination Electronic payment processing for payroll, payables, and receivables enabling automated recurring payments and cost-effective fund transfers versus paper checks.
• Positive Pay Anti-fraud service comparing outgoing checks against customer-submitted master lists to identify suspicious transactions, plus ACH exception review and filter management for unauthorized debits.
• Remote Deposit Capture (Desktop) Desktop check-scanning solution enabling businesses to deposit checks from the office with batch scanning, image review, and detailed deposit summaries.
• Mobile Remote Deposit Capture (mRDC) Smartphone-based check deposit using the mobile device camera for single or batch scanning with encrypted transmission and same-day deposit availability.
• Business Bill Pay Electronic business payment solution supporting one-time and recurring payments, multiple invoices per payee, electronic paychecks, and reimbursement processing for small and mid-sized businesses.
• SmartPay Express Online payment acceptance platform for HOAs, property management firms, nonprofits, and other businesses with recurring payments, customizable URLs, and simplified recordkeeping for receivables.
• Wire Transfers Domestic and international wire transfer service with online templates, recurring payment options, dual authorization security, and lower fees than bank-initiated transfers.
• Business Lending Commercial term loans for real estate and equipment, working-capital lines of credit, letters of credit, and SBA lending programs for small and mid-sized businesses across South Florida and New York City.
• NRA Foreign National Program Real estate lending program for non-U.S. resident foreign nationals purchasing U.S. investment properties without U.S. credit history, financing 1-2 family homes, condos, and townhomes in Miami-Dade, Broward, and Palm Beach counties via 30-year fully amortized 3/1 or 5/1 ARM loans sized $175,000 to $1.5 million and made to corporate entities only.
• International Business Loans / Trade Finance Trade finance solutions including import/export letters of credit, standby letters of credit, foreign exchange transactions, and foreign collections for international businesses operating with U.S. counterparties.
• International Personal Accounts Full-service International Personal Checking, International Interest Checking, International Savings, and Money Market accounts designed for foreign-national customers including those without U.S. credit history.
• International Business Accounts International Business Regular Checking, International Business Interest Checking, International Analysis Checking, and International Business Savings with higher minimum balance requirements and dedicated support for international companies managing U.S. cash reserves.
• Online Specials (Promotional CDs) Limited-time promotional Certificate of Deposit rates available to new money for online account openings, including 6-month CD at 4.10% APY, 9-month CD at 4.05% APY, and 12-month CD at 4.00% APY as of June 22, 2026.
• Relationship Banking Dedicated relationship manager service providing personalized financial guidance, customized account solutions, and tailored banking support across personal and business banking for long-term client partnerships.
• Financial Calculators Suite of approximately 50 interactive financial planning tools covering auto, credit, debt, insurance, loans, mortgage, personal finance, retirement, savings, and tax categories for prospective and existing customers.
• My Money Program Free financial literacy program developed with the Florida Department of Social Services providing interactive lessons, videos, and games for individuals with developmental disabilities, their families, and caregivers.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• IntraFi NetworkcoreTechnology or IntegrationThrough partnership with IntraFi Network, PNB offers Insured Cash Sweep (ICS) and Certificate of Deposit Account Registry Service (CDARS) programs. These connect depositors with a network of banks to ensure FDIC insurance for deposits exceeding the standard $250,000 limit. ICS is for checking, savings, and money market accounts while CDARS is for certificate of deposit accounts.
• EquifaxminorOthersPNB works with Equifax as one of the three major credit bureaus for credit reporting and identity verification services as part of their fraud prevention and customer onboarding processes.
• ExperianminorOthersPNB works with Experian as one of the three major credit bureaus for credit reporting and identity verification services.
• TransUnionminorOthersPNB works with TransUnion as one of the three major credit bureaus for credit reporting and identity verification services.
• Miami Lighthouse for the Blind, Inc.minorImplementation/ SI/ Consulting PartnerPNB consults with Miami Lighthouse for the Blind to periodically conduct testing of the PNB website portal using assistive technologies (screen reading software, screen enlargement software, alternative keyboard input devices) in order to ensure full compliance to WCAG 2.1/2.2 Level AA accessibility standards.
• Florida Department of Social ServicesminorStrategic or Co-development PartnerPNB offers access to the My Money Program, a financial literacy program developed by the Florida Department of Social Services that offers easy-to-follow financial lessons for individuals with developmental disabilities.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• U.S. Century Bank: Miami-based community bank serving personal and business customers in South Florida with comparable bilingual service. Direct competitor in the South Florida relationship banking segment.
• Banesco USA: Florida community bank with Venezuelan/Latin American ownership focused on international personal and business banking. Comparable niche overlap with PNB's foreign national and international segments.
• City National Bank of Florida: Florida-headquartered community bank with a similar relationship banking model, personal and business banking services, and South Florida concentration. Closest direct competitor on geography and customer segment.
• International Finance Bank: Florida-based community bank with explicit international and foreign national focus, including trade finance and cross-border personal banking. Direct comparable on PNB's international banking suite.
• Ocean Bank: Miami-based community bank offering personal, business, and international banking services with bilingual staff. Competes directly with PNB in South Florida relationship banking.
• BAC Florida Bank: Florida-based bank with strong Latin American and international focus, serving foreign nationals and cross-border business customers. Highly comparable to PNB's NRA and international banking franchise.
• FirstBank Florida: Florida community bank with personal and business banking offerings, serving South Florida markets. Comparable size and customer segment focus to PNB.

Broad incumbents

• Valley National Bank: Mid-Atlantic and Florida regional bank offering commercial lending, treasury management, and international banking. Comparable commercial banking and treasury management product suite at larger scale.
• BankUnited: Larger Florida-headquartered bank offering a broader personal, business, and wealth management suite. Wider portfolio, but overlapping customer base in South Florida.
• Amerant Bank: Florida-based community bank with significant international/Latin American heritage and a broader geographic footprint than PNB. Comparable cross-border customer orientation at larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pacific-national-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles23 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific National Bank