Bank of Pensacola
Total assets
$147.0M
▼ -2.1% YoY
Deposits
$132.6M
▼ -3.0% YoY
Loans
$80.4M
▲ +10.7% YoY
Offices
2
FIVE FLAGS BANKS INC
ROA (annualized)
1.02%
peers 1.24%
ROE (annualized)
10.64%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Bank of Pensacola | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -6.9 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.1 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 10.6% | 11.9% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1973
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIVE FLAGS BANKS INC
- Specialization
- All Other Under 1 Billion
- Address
- 500 S Palafox St, Pensacola, FL, 32502
- County
- Escambia
- Metro area
- Pensacola-Ferry Pass-Brent, FL
- Offices
- 2
- FDIC cert #
- 21284
- RSSD ID
- 581237
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.0M | $132.6M | $80.4M | $14.1M | $738K | 1.02% | 3.13% | 0.00% |
| Q1 2026 | $142.6M | $128.5M | $77.6M | $13.8M | $352K | 0.98% | 3.04% | 0.00% |
| Q4 2025 | $144.3M | $130.3M | $75.7M | $13.7M | $1.0M | 0.71% | 2.82% | 0.00% |
| Q3 2025 | $142.2M | $128.5M | $73.6M | $13.4M | $734K | 0.68% | 2.75% | 0.00% |
| Q2 2025 | $150.2M | $136.7M | $72.6M | $13.2M | $497K | 0.69% | 2.64% | 0.00% |
| Q1 2025 | $139.2M | $125.9M | $71.9M | $13.0M | $261K | 0.73% | 2.62% | 0.00% |
| Q4 2024 | $144.9M | $130.1M | $70.9M | $12.8M | $557K | 0.38% | 2.29% | 0.00% |
| Q3 2024 | $146.7M | $129.6M | $69.5M | $12.6M | $361K | 0.33% | 2.18% | 0.00% |
Loan mix (Q2 2026): real estate $77.3M · commercial $2.9M · consumer $734K · securities $44.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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