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Bank Of Pensacola
Pensacola, FL · FDIC Certificate #21284 · Chartered 10/2
Total assets
$147.02M
Total deposits
$132.64M
Total equity
$14.14M
Net loans
$80.39M
Branches (offices)
2
Net income (YTD)
$738.00K
Rank: #3,329 of 4,213 U.S. banks by assets · #73 of 81 in Florida. Assets changed -2.1% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 10.64% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 9.62% |
| Tier 1 leverage ratio | 9.84% |
| Uninsured deposits (share of deposits) | 33.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 96.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $77.34M | 96.2% | |
| Commercial & industrial | $2.88M | 3.6% | |
| Consumer / individual | $734.00K | 0.9% | |
| Construction & development | $12.43M | 15.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $158.21M | $144.96M | $250.00K | $12.90M |
| Jun 2023 | $144.51M | $125.95M | $394.00K | $12.36M |
| Jun 2024 | $147.30M | $129.33M | $212.00K | $12.47M |
| Jun 2025 | $150.19M | $136.70M | $497.00K | $13.19M |
| Jun 2026 | $147.02M | $132.64M | $738.00K | $14.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $132.64M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $132.64M.
Similar-sized banks
First New Mexico Bank Of Silver City ($147.47M) · Bank Of Salem ($147.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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