Bank of Pensacola
BankRegReports is independent of Bank of Pensacola and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Pensacola is an FDIC-insured commercial bank headquartered in Pensacola, FL, established in 1973 (FDIC certificate 21284), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $147.0M, down 2.1% from Q2 2025, the 73rd largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21284
- Headquarters
- Pensacola, FL
- Established
- 1973
- Total assets, Q2 2026
- $147.0M
- Assets vs Q2 2025
- -2.1%
- Tier 1 leverage ratio, Q2 2026
- 9.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 063208823
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Pensacola call report
- Holding company
- FIVE FLAGS BANKS, INC.
- Asset rank in state
- 73rd of 81 in Florida
Bank of Pensacola, based in Pensacola, Florida, reported $147 million in assets at June 30, 2026, down 2.1% from a year earlier. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $386,000, 64% above the same quarter a year earlier. Over the same year, loans grew 10.6% and deposits shrank 3.0%. Its margin is thin by comparison: it keeps 3.28 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of Pensacola reported a return on assets of 1.07%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Pensacola is the 73rd largest of the 81 banks headquartered in Florida. From Q1 2026 to Q2 2026, its total assets rose 3.1% to $147.0M, loans rose 3.6% and deposits rose 3.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.2% of total loans, followed by construction and land development loans at 15.4%. Its 2 offices in the FDIC Summary of Deposits are in Pensacola, FL. On its Q2 2026 call report, Bank of Pensacola meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 S Palafox St, Pensacola, FL 32502
- County
- Escambia
- Metro Area
- Pensacola-Ferry Pass-Brent, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 26, 1973
- Former names
- First Navy Bank (1974-2014)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $132.6M
- Allowance for credit losses
- $548K
- Net charge-offs (YTD)
- $1K
- Average total assets
- $143.7M
- Average total loans
- $78.5M
- Average interest-bearing deposits
- $71.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 1973
- FDIC Cert
- 21284
- Fed RSSD
- 581237
- Website
- www.bankpensacola.com →
- Parent Holding Company
- FIVE FLAGS BANKS, INC. (RSSD 1129515)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Pensacola reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Pensacola's total assets moved between a low of $139.2M (Q1 2025) and a high of $150.2M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.0M total assets against $150.2M; $132.9M total liabilities against $137.0M.
$80.4M net loans and leases against $72.6M; $132.6M total deposits against $136.7M.
$44.6M securities against $55.6M; $19.9M cash and balances due against $19.8M.
$1.4M total interest income against $1.2M; $293K total interest expense against $294K.
$1.1M net interest income against $932K.
$73K total noninterest income against $88K; $700K total noninterest expense against $702K.
No provision recorded in the last 12 quarters.
$386K net income against $236K.
1.07% return on assets against 0.68%; 3.28% net interest margin against 2.80%.
9.84% tier 1 leverage ratio against 9.54%.
Inside the full Bank of Pensacola terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Pensacola rankings
Its closest position to the top of a national ranking is 1,552 of 3,606, for efficiency ratio; its furthest is 3,578 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.07% (Q2 2026) and its net interest margin ran from 2.33% (Q3 2024) to 3.28% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.84% | 1.07% | 0.00% | 0.00% | 3.28% |
| Q1 2026 | 9.84% | 1.01% | 0.00% | 0.00% | 3.13% |
| Q4 2025 | 9.74% | 0.83% | 0.00% | 0.00% | 3.09% |
| Q3 2025 | 9.60% | 0.68% | 0.00% | 0.00% | 2.96% |
| Q2 2025 | 9.54% | 0.68% | 0.00% | 0.00% | 2.80% |
| Q1 2025 | 9.33% | 0.75% | 0.00% | 0.00% | 2.63% |
| Q4 2024 | 8.84% | 0.54% | 0.00% | 0.00% | 2.60% |
| Q3 2024 | 8.80% | 0.42% | 0.00% | 0.00% | 2.33% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Pensacola (main office) | Pensacola , FL | 32502 | $125.9M |
| Bank of Pensacola (main office) | Pensacola , FL | 32507 | $6.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 141 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Pensacola’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Pensacola
What are Bank of Pensacola's total assets?
As of the Q2 2026 filing, Bank of Pensacola reported total assets of $147.0 million in its FFIEC call report.
Where is Bank of Pensacola headquartered?
It is headquartered in Pensacola, FL, United States.
When was Bank of Pensacola founded?
It was established in 1973, per the FDIC institution directory.
Is Bank of Pensacola FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Pensacola?
Bank of Pensacola's primary federal regulator is the FDIC.
How many branches does Bank of Pensacola operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Pensacola's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank of Pensacola previously called?
The charter now named Bank of Pensacola has also operated as First Navy Bank (1974-2014), per FDIC structure-change records.
Go deeper on Bank of Pensacola.
Get an email when Bank of Pensacola files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Pensacola, freeFree account