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About PNB

A Connection to Community

PNB Community Bank was established in June 1986 as Peoples National Bank, with a local Board and Management Team who shared the dream of serving our hometown.  We are one of the few, locally owned and operated banks serving Okaloosa and Walton Counties. 

Our mission is to remain large enough to service your banking needs, yet small enough to deliver them with a personal touch . . . that’s what we call the PNB Connection! It’s a friendly voice when you need help.

It’s visiting your local PNB office for a cup of coffee, a smile and answers to your questions. It’s knowing that your money is in a local bank that supports your local community.

It’s knowing that the PNB Connection is a circle, beginning and ending with the customer. We offer a variety of loan products for personal and business needs, remembering that your time is valuable. 

Our decisions are made quickly, right here in your local branch.  Our personal and business account products offer you peace of mind and flexibility. 

Come into one of our offices in Niceville, Freeport or DeFuniak Springs and check out the PNB Connection for yourself. PNB Community Bank encompasses a relationship with our customers, based on solid principles of quality, integrity and trust.  The PNB Connection can help you plan your financial future, set goals and discover the banking freedom you deserve.  Part of our commitment to you is providing a connection to us, the people of PNB Community Bank.

Stop by a Branch to Open an Account!

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