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Bank of Pensacola

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

Pensacola, FL

2 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -3.0% year over year ($132.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.02%.
  • Efficiency ratio 58.50% vs a 64.48% peer average.
  • Loan-to-deposit ratio 60.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

Bank of Pensacola has 4 strengths but faces 4 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 35.5% in tier
  • + Non-Interest-Bearing Deposit Share 25.02% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 5.98% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.5% in tier
  • - Deposit Outflow: Bottom 6.0% in tier
  • - ROA 0.30% below tier average
  • - Net Interest Margin 0.86% below tier average
Get updates when Bank of Pensacola releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $147.0M
-2.1% YoY +3.1% QoQ
-$239.5M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
Bottom 13.2% in tier
Total Loans ? $80.4M
+10.7% YoY +3.6% QoQ
-$178.0M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Bottom 10.5% in tier
Total Deposits ? $132.6M
-3.0% YoY +3.2% QoQ
-$194.1M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.02%
+48.6% YoY +4.0% QoQ
-0.30% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.13%
+18.6% YoY +2.7% QoQ
-0.86% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Bottom 13.4% in tier
Efficiency Ratio ? 58.50%
-13.3% YoY -1.8% QoQ
-5.98% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 60.61%
+14.1% YoY +0.3% QoQ
-17.34% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 47.05%
-8.2% YoY +2.9% QoQ
+25.02% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 2.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.84%
+3.2% YoY +0.1% QoQ
-6.07% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Bottom 8.6% in tier
Non-Interest Income / Assets ? 0.10%
-10.6% YoY +92.7% QoQ
-0.47% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 47.0%
-4.2pp YoY
+1.3pp QoQ
 +24.9pp 22.1% 27.7% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 3.6%
-1.5pp YoY
-0.8pp QoQ
 -8.0pp 11.6% 12.9% 12.5% 12%
CRE 32.6%
+0.5pp YoY
+1.0pp QoQ
 -6.9pp 39.5% 50.6% 41.4% 39%
1-4 Family 63.6%
+0.8pp YoY
-0.5pp QoQ
 +31.0pp 32.6% 30.7% 31.3% 92%
Consumer 0.9%
+0.1pp YoY
+0.2pp QoQ
 -3.2pp 4.1% 3.7% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.8% 19.7% n/a
Leverage Ratio 9.8%
+0.3pp YoY
0.0pp QoQ
 -2.3pp 12.2% 13.9% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 21.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 13
-1 (-7.1%) YoY
0 QoQ
 -46 58 295 482 2%
Assets per Employee ($) $11.3M
+5.4% YoY
+3.1% QoQ
 +$3.8M $7.5M $10.3M $8.8M 91%
Branch Count 2
0 YoY
0 QoQ
 -3 4 13 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.7% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 16.62x 20.23x n/a
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.2% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 10.6%
+3.0pp YoY
+0.4pp QoQ
 -1.6pp 12.2% 9.3% 11.6% 41%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 6%
Net Income ($, YTD) $738,000
+48.5% YoY
— QoQ
 -$1.8M $2.6M $25.2M $40.4M 18%

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
#235 of 659 • Top 35.5% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk
#31 of 661 • Bottom 4.5% 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: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#33 of 535 • Bottom 6.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
57
Non-Interest-Bearing Deposit Share
funding
Value: 47.05%
Peer Median: 22.03%
#57 of 2643 Top 2.1% in $100M-$1B
475
Loan-to-Deposit Ratio
liquidity
Value: 60.61%
Peer Median: 77.95%
#475 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (6 metrics)

2416
Tier 1 Capital Ratio
capital
Value: 9.84%
Peer Median: 15.91%
#2416 of 2643 Bottom 8.6% in $100M-$1B
2366
Total Loans
size
Value: $80.39M
Peer Median: $258.35M
#2366 of 2643 Bottom 10.5% in $100M-$1B
2295
Total Assets
size
Value: $147.02M
Peer Median: $386.57M
#2295 of 2643 Bottom 13.2% in $100M-$1B
2289
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2289 of 2643 Bottom 13.4% in $100M-$1B
2216
Total Deposits
size
Value: $132.64M
Peer Median: $326.73M
#2216 of 2643 Bottom 16.2% in $100M-$1B
2158
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2158 of 2643 Bottom 18.4% in $100M-$1B
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