BlastPoint's Banking Scorecard

Bank of Pensacola

$100M-$1B Specialty: Other FL FDIC cert 21284

Pensacola, FL

2 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Bank of Pensacola has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 38.4% in tier
+ Non-Interest-Bearing Deposit Share 23.68% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 5.74% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.8% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.89% below tier average

Get updates when Bank of Pensacola releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$142.6M +2.4% YoY -1.2% QoQ	-$243.5M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	Bottom 11.9% in tier
Total Loans ?	$77.6M +8.0% YoY +2.6% QoQ	-$178.1M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	Bottom 10.0% in tier
Total Deposits ?	$128.5M +2.1% YoY -1.4% QoQ	-$199.5M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	Bottom 14.9% in tier
Return on Assets ?	0.98% +33.5% YoY +37.6% QoQ	-0.29%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.04% +16.2% YoY +7.9% QoQ	-0.89%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Bottom 12.7% in tier
Efficiency Ratio ?	59.54% -9.8% YoY -12.3% QoQ	-5.74%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.40% +5.8% YoY +4.0% QoQ	-16.24%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	45.70% +0.2% YoY -2.9% QoQ	+23.68%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 2.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.84% -52.5% YoY +1.0% QoQ	-6.00%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Bottom 7.7% in tier
Non-Interest Income / Assets ?	0.05% -9.7% YoY -77.0% QoQ	-0.23%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	20%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#256 of 664 • Top 38.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#113 of 666 • Bottom 16.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.84%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.70%

Peer Median: 22.02%

#69 of 2664 Top 2.6% in $100M-$1B

507

Loan-to-Deposit Ratio

liquidity

Value: 60.40%

Peer Median: 76.64%

#507 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (6 metrics)

2459

Tier 1 Capital Ratio

capital

Value: 9.84%

Peer Median: 15.83%

#2459 of 2664 Bottom 7.7% in $100M-$1B

2398

Total Loans

size

Value: $77.62M

Peer Median: $255.72M

#2398 of 2664 Bottom 10.0% in $100M-$1B

2347

Total Assets

size

Value: $142.60M

Peer Median: $386.08M

#2347 of 2664 Bottom 11.9% in $100M-$1B

2328

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.93%

#2328 of 2664 Bottom 12.7% in $100M-$1B

2269

Total Deposits

size

Value: $128.50M

Peer Median: $327.97M

#2269 of 2664 Bottom 14.9% in $100M-$1B

2122

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2122 of 2664 Bottom 20.4% in $100M-$1B