| 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
| 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
Nothing unusual in Q2 2026 — steady quarter.
| 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% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
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% |
| 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% |
| Ratio | Bank of Pensacola | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025) · $132.6M branch deposits. Biggest market: Escambia, FL, ranked 17th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Escambia, FL | 2 | $132.6M | 1.23% | 17th |
Florida: 218th with 0.01% · Pensacola-Ferry Pass-Brent metro: 21st, 0.89% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (19 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).