Bank of Pensacola
Pensacola, FL · Cert 21284 · 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 · 2 branches (6 in holding)
Q2 2026
$147.0MAssets
$80.9MLoans
$132.6MDeposits
$14.1MEquity
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: total risk-based capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 707 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.00%
Rank 405 of 746
Net Interest Margin
3.07%
Rank 592 of 746
Efficiency Ratio
58.50%
Rank 252 of 746
Equity / Assets
9.62%
Rank 478 of 746
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 66% 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 | 1.00% | 0.72% | 1.06% | 1.45% | Beats 46% | 405 / 746 | | |
| Return on Equity | 10.44% | 6.74% | 10.51% | 13.63% | Beats 50% | 375 / 746 | | |
| Net Interest Margin | 3.07% | 3.17% | 3.68% | 4.16% | Beats 21% | 592 / 746 | | |
| Efficiency Ratio | 58.50% | 55.74% | 64.58% | 75.47% | Beats 66% | 252 / 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 71% | 218 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 11.55% | 13.75% | 17.60% | Beats 5% | 705 / 746 | | |
| Total Risk-Based Capital Ratio | 9.84% | 11.71% | 14.33% | 18.43% | Beats 5% | 707 / 746 | | |
| Equity / Assets | 9.62% | 8.90% | 10.51% | 13.06% | Beats 36% | 478 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.02% | 61.31% | 78.27% | 90.78% | 24th pctl | 565 / 746 | | |
| Loans / Assets | 55.05% | 53.60% | 66.97% | 76.08% | 27th pctl | 544 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |