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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 $0.5MQ3 2024Q2 2026
Deposit mix
53%Interest-bearing $70.2M47%Noninterest $62.4MQ3 2024Q2 2026

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 1.07%, up 41 bps year over year; NIM at 3.18%.
  • 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.

Return on Assets (quarter, annualized)

1.07%+41 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+49 bps YoY

Efficiency Ratio (quarter, annualized)

57.52%-1,131 bps YoY

Tier 1 Leverage Ratio

9.84%+30 bps YoY

NIM

3.14%Q2 ’243.55%Q2 ’254.00%Q2 ’26+28%+18%

Non-interest income vs. expense

1.90%Q2 ’242.03%Q2 ’251.95%Q2 ’26+4%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.54%0.73%0.65%0.65%0.82%0.98%1.07%+41 bps
Return on Equity4.75%6.16%8.10%7.22%7.12%8.66%10.25%11.07%+385 bps
Net Interest Margin2.24%2.51%2.56%2.69%2.86%2.98%3.04%3.18%+49 bps
Efficiency Ratio77.19%73.57%66.05%68.82%70.78%65.93%59.54%57.52%-1,131 bps
Non-Interest Burden1.69%1.79%1.61%1.78%1.96%1.89%1.72%1.75%-3 bps
Growth
Asset Growth (YoY)3.96%-1.53%-3.58%1.96%-3.08%-0.36%2.41%-2.11%-407 bps
Loan Growth (YoY)11.35%6.33%4.93%6.41%5.85%6.69%7.95%10.59%+418 bps
Deposit Growth (YoY)2.44%-3.23%-0.76%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.78%0.77%0.76%0.75%0.74%0.72%0.70%0.68%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.80%8.84%9.33%9.54%9.60%9.74%9.84%9.84%+30 bps
Total Risk-Based Capital21.68%19.32%21.59%9.54%9.60%9.74%9.84%9.84%+30 bps
Equity / Assets8.60%8.85%9.30%8.78%9.44%9.51%9.64%9.62%+83 bps
Liquidity & Funding
Loans / Deposits54.05%54.91%57.51%53.54%57.70%58.49%60.83%61.02%+748 bps
Liquid Assets / Assets46.76%47.57%43.06%46.75%41.75%44.12%43.86%43.39%-336 bps
CRE / Total Capitaln/an/an/an/a174.44%169.86%178.28%n/an/a