US Bank Directory
Banks in Niceville, FL
11 FDIC-insured banks operate 12 offices in Niceville, Florida, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Niceville
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 13 banks and credit unions operate 14 locations in Niceville, according to the FDIC and the NCUA. 14 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
14 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Niceville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Pinnacle Bank has the most locations in Niceville, with 2. The other 10 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Pinnacle Bank Bank · 2
Pinnacle Bank has 2 branches in Niceville, 88 across Florida and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Niceville location is the Niceville Branch at 1001 John Sims Pkwy E, dating to 1975; the newest, at 4300 E Highway 20, to 1984. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Branch1001 John Sims Pkwy E, 32578
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Bluewater Bay Branch4300 E Highway 20, 32578
Bank of America Bank · 1
Bank of America has 1 branch in Niceville, 414 across Florida and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Bluewater Bay Branch at 4500 E Highway 20 dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Bluewater Bay Branch4500 E Highway 20, 32578
All hours
Mon to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
CCB Community Bank Bank · 1
CCB Community Bank has 1 branch in Niceville, 3 across Florida and 5 nationwide. FDIC records list its main office in Andalusia, AL and show it operating since 1947. With $661.9 million in total assets on June 30, 2026, it ranks No. 1,437 of 4,232 U.S. banks by total assets. The Ccb - Niceville Branch at 1502 John Sims Pkwy E dates to 2013 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ccb - Niceville Branch1502 John Sims Pkwy E, 32578
Eglin Credit Union Credit union · 1
Eglin Credit Union has 1 office in Niceville, 12 across Florida. It is based in Fort Walton Bea, FL and $3.09 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Bluewater Bay Branch4558 E Highway 20, 32578
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
FIDELITY BANK Bank · 1
FIDELITY BANK has 1 branch in Niceville, 1 across Florida and 28 nationwide. FDIC records list its main office in New Orleans, LA and show it operating since 1908. With $1.23 billion in total assets on June 30, 2026, it ranks No. 879 of 4,232 U.S. banks by total assets. The Niceville Lpo Branch at 4591 E Highway 20 dates to 2014 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Lpo Branch4591 E Highway 20, 32578
FNBT BANK Bank · 1
FNBT BANK has 1 branch in Niceville, 11 across Florida and 11 nationwide. FDIC records list its main office in Fort Walton Beach, FL and show it operating since 1956. With $628.5 million in total assets on June 30, 2026, it ranks No. 1,510 of 4,232 U.S. banks by total assets. The Niceville Branch at 1065 John Sims Pkwy E dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Branch1065 John Sims Pkwy E, 32578
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Niceville, 38 across Florida and 186 nationwide. FDIC records list its main office in Gulfport, MS and show it operating since 1899. With $36.33 billion in total assets on June 30, 2026, it ranks No. 60 of 4,232 U.S. banks by total assets. The Niceville Financial Center Branch at 750 E. John Sims Pkwy dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Financial Center Branch750 E. John Sims Pkwy, 32578
Okaloosa County Teachers Credit Union Credit union · 1
Okaloosa County Teachers Credit Union has 1 office in Niceville, 5 across Florida. It is based in Crestview, FL and $133.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Okaloosa County Teachers Fcu1003A John Sims Pkwy E, 32578
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNB Community Bank Bank · 1
PNB Community Bank has 1 branch in Niceville, 3 across Florida and 3 nationwide. FDIC records list its main office in Niceville, FL and show it operating since 1986. With $155.2 million in total assets on June 30, 2026, it ranks No. 3,284 of 4,232 U.S. banks by total assets. Its main office at 1020 John Sims Pkwy E dates to 1986 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1020 John Sims Pkwy E, 32578
PNC Bank Bank · 1
PNC Bank has 1 branch in Niceville, 201 across Florida and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Niceville Branch at 1130 John Sims Pkwy E dates to 1997 in FDIC branch records. Its published hours do not list Saturday.
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Niceville Branch1130 John Sims Pkwy E, 32578
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Niceville, 270 across Florida and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Niceville 1200 John Sims Pkwy Branch at 1200 John Sims Pkwy E dates to 1987 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville 1200 John Sims Pkwy Branch1200 John Sims Pkwy E, 32578
Renasant Bank · 1
Renasant has 1 branch in Niceville, 26 across Florida and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Niceville Branch at 100 Armstrong Ave dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Branch100 Armstrong Ave, 32578
Trustmark Bank · 1
Trustmark has 1 branch in Niceville, 16 across Florida and 181 nationwide. FDIC records list its main office in Jackson, MS and show it operating since 1889. With $19.19 billion in total assets on June 30, 2026, it ranks No. 109 of 4,232 U.S. banks by total assets. The Niceville Branch at 799 John Sims Pkwy E dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Niceville Branch799 John Sims Pkwy E, 32578
Join a credit union in Niceville
2 credit unions have 2 offices here: Eglin Credit Union and Okaloosa County Teachers Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Niceville page has every office in the state's directory.
Banking in Niceville: the local picture
Short answer: 11 banks run 12 branches in Niceville according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 11 banks, 1 has its main office in Niceville, 1 elsewhere in Florida and 9 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Pinnacle Bank's office at 1001 John Sims Pkwy E, dating to 1975; the newest is Hancock Whitney's at 750 E. John Sims Pkwy, from 2023.
2 credit unions have 2 offices in Niceville, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. None open on Saturday. 10 locations have no published hours in these sources.
Saturday hours in Niceville
Short answer: None of the 4 Niceville locations with published hours lists Saturday hours. 10 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 10 of the 14 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Niceville, and where the nearest one is if they do not.
Short answer: In Niceville: Bank of America (1), PNC Bank (1), Regions Bank (1). No branches in Niceville: Chase (nearest in Tallahassee, 129 mi), Wells Fargo (nearest in Destin, 8 mi), U.S. Bank (nearest in Sarasota, 323 mi), Truist (nearest in Destin, 8 mi), Fifth Third Bank (nearest in Newberry, 244 mi), Huntington (nearest in Miramar Beach, 9 mi), TD Bank (nearest in Live Oak, 207 mi), BMO (nearest in Tampa, 299 mi).
| Bank | In Niceville | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 129 miles away |
| Wells Fargo | None | Destin, 8 miles away |
| U.S. Bank | None | Sarasota, 323 miles away |
| Truist | None | Destin, 8 miles away |
| Fifth Third Bank | None | Newberry, 244 miles away |
| Huntington | None | Miramar Beach, 9 miles away |
| TD Bank | None | Live Oak, 207 miles away |
| BMO | None | Tampa, 299 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Niceville to the nearest branch in Florida.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Niceville residents like anyone else.
Banks near Niceville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Destin (9 miles) and Shalimar (9 miles). Fort Walton Beach, 11 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Destin, FL | 9 mi | 16 | 20 |
| Banks in Shalimar, FL | 9 mi | 2 | 2 |
| Banks in Miramar Beach, FL | 11 mi | 5 | 5 |
| Banks in Fort Walton Beach, FL | 11 mi | 17 | 18 |
| Banks in Mary Esther, FL | 14 mi | 3 | 3 |
| Banks in Crestview, FL | 19 mi | 8 | 8 |
| Banks in Freeport, FL | 20 mi | 4 | 4 |
| Banks in Santa Rosa Beach, FL | 21 mi | 11 | 15 |
Bank branch openings and closings in Niceville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Niceville between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Niceville
Short answer: 1 institution has its main office in Niceville: PNB Community Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| PNB Community Bank | Bank | $155.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Niceville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Niceville offices.
Short answer: Bank of America is the largest bank with offices in Niceville, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. 1 of the 11 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 2 | Nashville, TN |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| Trustmark | $19.19 billion | No. 109 | 1 | Jackson, MS |
| FIDELITY BANK | $1.23 billion | No. 879 | 1 | New Orleans, LA |
| CCB Community Bank | $661.9 million | No. 1,437 | 1 | Andalusia, AL |
| FNBT BANK | $628.5 million | No. 1,510 | 1 | Fort Walton Beach, FL |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Niceville: FAQ
How many banks are in Niceville, FL?
Niceville has 11 banks with 12 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Niceville?
Pinnacle Bank, with 2. Bank of America has 1 and PNC Bank has 1.
Is there a Pinnacle Bank in Niceville, FL?
Yes. FDIC data lists 2 Pinnacle Bank branches in Niceville as of September 5, 2026. Its branches are listed under Pinnacle Bank above, with the address and directions for each.
Is there a Bank of America in Niceville, FL?
Yes. FDIC data lists 1 Bank of America branch in Niceville as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Niceville, FL?
Yes. FDIC data lists 1 PNC Bank branch in Niceville as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Chase in Niceville, FL?
No. FDIC data lists no Chase branch in Niceville as of September 5, 2026. The nearest is in Tallahassee, about 129 miles away in a straight line.
Which banks in Niceville are open on Saturday?
None of the 4 locations with published hours lists Saturday hours. 10 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Niceville?
PNB Community Bank has its main office in Niceville, according to the FDIC.
What is the oldest bank in Niceville?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Niceville?
Eglin Credit Union and Okaloosa County Teachers Credit Union have offices in Niceville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Niceville in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Niceville?
Nearby cities with more banks include Destin, Shalimar, Miramar Beach. Destin is 9 miles away with 16 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (2 of 12 branches: Bank of America, PNC Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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