BANK OF PENSACOLA

Latest Report: 2025-12-31

BANK OF PENSACOLA is asn small FDIC-insured commercial bank headquartered in PENSACOLA, FL, established in Oct. 26, 1973, midnight. As of 2025-12-31, the bank reported total assets of $144M and total deposits of $130M. Profitability stands at 0.82% ROA and 8.66% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 9.51%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21284.

Assets

$144M

Deposits

$130M

Loans

$76M

Equity

$14M

Profitability

Return on Assets (ROA) 0.82%

Return on Equity (ROE) 8.66%

Net Interest Margin (NIM) 3.19%

Yield on Assets 4.11%

Cost of Funds 0.94%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio --

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 9.51%

Tier 1 Capital 9.51%

Total Capital Ratio 9.98%

Leverage Ratio 9.74%

Loan-to-Deposit 58.49%

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