Pensacola, FL · Cert 17193 · Five Flags Banks Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
Market Position · Pensacola-Ferry Pass-Brent, FL · 2026 SOD (annual) · 1.8% share · #13 of 20 inst. · $0.1B of $8.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.22% | 0.36% | 0.40% | 0.41% | 0.44% | 0.64% | 0.68% | +28 bps | |
| Return on Equity | 1.20% | 1.43% | 2.12% | 2.37% | 2.41% | 2.63% | 3.89% | 4.10% | +174 bps | |
| Net Interest Margin | 2.12% | 2.29% | 2.50% | 2.56% | 2.59% | 2.62% | 2.87% | 2.95% | +39 bps | |
| Efficiency Ratio | 89.67% | 87.82% | 82.81% | 81.31% | 81.05% | 79.53% | 72.48% | 71.65% | -967 bps | |
| Non-Interest Burden | 1.88% | 1.98% | 2.03% | 2.03% | 2.06% | 2.04% | 2.01% | 2.04% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | -9.98% | -9.97% | -5.70% | -5.40% | 3.69% | 3.81% | 2.73% | +843 bps | |
| Loan Growth (YoY) | 2.46% | 1.01% | 1.85% | 4.14% | 2.45% | -8.09% | -6.65% | -1.89% | -603 bps | |
| Deposit Growth (YoY) | -10.05% | -5.83% | -3.20% | 3.38% | 0.21% | 3.99% | 4.14% | 2.78% | -60 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 0.97% | 0.96% | 0.96% | 0.96% | 1.05% | 1.03% | 0.97% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.35% | 16.37% | 16.92% | 16.78% | 16.57% | 16.58% | 16.56% | 16.72% | -5 bps | |
| Total Risk-Based Capital | 15.35% | 16.37% | 16.92% | 16.78% | 16.57% | 16.58% | 16.56% | 16.72% | -5 bps | |
| Equity / Assets | 15.72% | 16.79% | 16.87% | 16.65% | 16.94% | 16.55% | 16.57% | 16.59% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.03% | 39.98% | 40.24% | 39.71% | 39.90% | 35.34% | 36.07% | 37.91% | -180 bps | |
| Liquid Assets / Assets | 66.79% | 61.24% | 63.45% | 62.82% | 64.64% | 66.00% | 65.94% | 65.51% | +269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.77% | 87.25% | 87.69% | n/a | n/a | |