Warrington Bank, The
Pensacola, FL · Cert 17193 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Five Flags Banks Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
$173.9MAssets
$55.0MLoans
$145.0MDeposits
$28.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on equity trails 86% of banks under $1B in assets operating in a single state (rank 639 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.68%
Rank 576 of 746
Net Interest Margin
2.95%
Rank 626 of 746
Efficiency Ratio
71.65%
Rank 501 of 746
Equity / Assets
16.59%
Rank 67 of 746
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.72% | 1.06% | 1.45% | Beats 23% | 576 / 746 | | |
| Return on Equity | 4.07% | 6.74% | 10.51% | 13.63% | Beats 14% | 639 / 746 | | |
| Net Interest Margin | 2.95% | 3.17% | 3.68% | 4.16% | Beats 16% | 626 / 746 | | |
| Efficiency Ratio | 71.65% | 55.74% | 64.58% | 75.47% | Beats 33% | 501 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.72% | 11.55% | 13.75% | 17.60% | Beats 71% | 218 / 746 | | |
| Total Risk-Based Capital Ratio | 16.72% | 11.71% | 14.33% | 18.43% | Beats 68% | 239 / 746 | | |
| Equity / Assets | 16.59% | 8.90% | 10.51% | 13.06% | Beats 91% | 67 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.91% | 61.31% | 78.27% | 90.78% | 4th pctl | 716 / 746 | | |
| Loans / Assets | 31.60% | 53.60% | 66.97% | 76.08% | 4th pctl | 718 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |