Bank of Pensacola: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 11.08 percentage points higher than in Q1 2026, at 84.66%. Bank of Pensacola ranks 64th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 61.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Pensacola sits 19.81 points lower, at 61.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.9M |
| Net loans and leases | $80.4M |
| Loans held for sale | $0 |
| Loans to total assets | 55.05% |
| Loan-to-deposit ratio | 61.02% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.86% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 3.56% |
| Consumer | 0.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.92% |
| Construction concentration (Tier 1 capital + allowance) | 84.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $62.9M | $126.5M | 24.96% | 7.01% | 2.03% |
| Q4 2023 | $67.2M | $134.5M | 22.89% | 6.43% | 1.73% |
| Q1 2024 | $69.0M | $126.9M | 22.40% | 7.15% | 1.42% |
| Q2 2024 | $68.8M | $129.3M | 22.31% | 7.11% | 1.37% |
| Q3 2024 | $70.0M | $129.6M | 23.49% | 6.51% | 1.15% |
| Q4 2024 | $71.4M | $130.1M | 22.17% | 6.18% | 1.01% |
| Q1 2025 | $72.4M | $125.9M | 23.12% | 5.33% | 0.84% |
| Q2 2025 | $73.2M | $136.7M | 21.91% | 5.00% | 0.83% |
| Q3 2025 | $74.1M | $128.5M | 20.71% | 4.61% | 0.76% |
| Q4 2025 | $76.2M | $130.3M | 18.22% | 4.34% | 0.68% |
| Q1 2026 | $78.2M | $128.5M | 17.70% | 4.35% | 0.67% |
| Q2 2026 | $80.9M | $132.6M | 16.86% | 3.56% | 0.91% |
Bank of Pensacola loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Pensacola, freeSource: Call Report Schedule RC-C, 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)