Bank of Pensacola: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 1.34 percentage points in Q2 2026, from 45.70% to 47.05%. It was the largest change from Q1 2026 among the key lines here. Bank of Pensacola has the 9th lowest total deposits of the 81 banks headquartered in Florida, at $132.6M as of Q2 2026. Bank of Pensacola's total deposits of $132.6M is well below the $277.3M median for banks in the $100M-1B asset tier, a gap of 52% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $132.6M |
| Domestic office deposits | $132.6M |
| Foreign office deposits | — |
| Deposits to total assets | 90.22% |
| Deposits to total liabilities | 99.81% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $62.3M |
| Savings deposits | $11.4M |
| Transaction accounts to domestic deposits | 60.27% |
| Time deposits | $13K |
| Time deposits under $100k | $2.1M |
| Time deposits $100k to $250k | $3.5M |
| Time deposits over $250k | $11.1M |
| Noninterest-bearing share of deposits | 47.05% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $121.6M |
| Core deposits to total deposits | 91.66% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.67% |
| Interest expense on deposits | $293K |
| Loans and leases to core deposits | 66.57% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $126.5M | 91.49% | 0.00% | 1.34% |
| Q4 2023 | $134.5M | 91.92% | 0.00% | 1.63% |
| Q1 2024 | $126.9M | 91.35% | 0.00% | 1.72% |
| Q2 2024 | $129.3M | 91.44% | 0.00% | 1.72% |
| Q3 2024 | $129.6M | 91.37% | 0.00% | 1.74% |
| Q4 2024 | $130.1M | 91.54% | 0.00% | 1.72% |
| Q1 2025 | $125.9M | 91.33% | 0.00% | 1.67% |
| Q2 2025 | $136.7M | 91.94% | 0.00% | 1.71% |
| Q3 2025 | $128.5M | 91.34% | 0.00% | 1.75% |
| Q4 2025 | $130.3M | 91.38% | 0.00% | 1.76% |
| Q1 2026 | $128.5M | 91.18% | 0.00% | 1.61% |
| Q2 2026 | $132.6M | 91.66% | 0.00% | 1.67% |
Bank of Pensacola deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pensacola, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Pensacola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21284) · FFIEC NIC profile (RSSD 581237)