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Bank of Pensacola

Pensacola, FL · Cert 21284 · 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
Loan mix
95%RE $74.3M4%C&I $3.4M1%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $70.2M47%Noninterest $62.4MQ2 2025Q2 2026

NIM

3.10%Q2 ’243.51%Q2 ’253.87%Q2 ’26+27%+17%

Non-interest income vs. expense

1.90%Q2 ’241.94%Q2 ’251.92%Q2 ’26+0%+1%

Market Position · Pensacola-Ferry Pass-Brent, FL · 2026 SOD (annual) · 1.6% share · #14 of 20 inst. · $0.1B of $8.1B

Executive Summary

  • Earnings: ROA of 1.02%, up 33 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.84%, up 30 bps from a year ago.
  • Funding: loans stand at 61.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+44 bps YoY

Efficiency Ratio (YTD, annualized)

58.50%-897 bps YoY

Tier 1 Leverage Ratio

9.84%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.68%0.71%0.98%1.02%+33 bps
Return on Equity7.65%7.47%7.77%10.25%10.64%+299 bps
Net Interest Margin2.63%2.69%2.75%3.04%3.07%+44 bps
Efficiency Ratio67.47%68.64%67.91%59.54%58.50%-897 bps
Non-Interest Burden1.70%1.77%1.79%1.72%1.71%+1 bps
Growth
Asset Growth (YoY)1.96%-3.08%-0.36%2.41%-2.11%-407 bps
Loan Growth (YoY)6.41%5.85%6.69%7.95%10.59%+418 bps
Deposit Growth (YoY)5.69%-0.85%0.17%2.07%-2.97%-866 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.75%0.74%0.72%0.70%0.68%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.54%9.60%9.74%9.84%9.84%+30 bps
Total Risk-Based Capital9.54%9.60%9.74%9.84%9.84%+30 bps
Equity / Assets8.78%9.44%9.51%9.64%9.62%+83 bps
Liquidity & Funding
Loans / Deposits53.54%57.70%58.49%60.83%61.02%+748 bps
Liquid Assets / Assets46.75%41.75%44.12%43.86%43.39%-336 bps
CRE / Total Capitaln/a174.44%169.86%178.28%n/an/a