Bank of Pensacola: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Pensacola of Pensacola, FL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 11.07% | 12.05% | -0.98% | 42nd below |
| Net Interest Margin | 3.28% | 3.90% | -0.62% | 19th bottom |
| Efficiency Ratio | 57.52% | 63.15% | -5.63% | 61st above |
| PPNR / Avg Assets | 1.44% | 1.64% | -0.20% | 41st below |
| Yield on Earning Assets | 4.13% | 5.65% | -1.52% | 3rd bottom |
| Cost of Funds | 0.89% | 1.85% | -0.96% | 94th top |
| Net Interest Spread | 2.46% | 3.35% | -0.89% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 45th below |
| ACL / Total Loans | 0.68% | 1.28% | -0.60% | 6th bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.84% | 12.46% | -2.62% | 28th below |
| Equity / Assets | 9.62% | 11.67% | -2.05% | 38th below |
| TCE / Tangible Assets | 9.62% | 11.40% | -1.78% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.02% | 78.65% | -17.63% | 82nd top |
| Core Deposit Ratio | 91.66% | 87.09% | +4.57% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.11% | 6.48% | -8.59% | 10th bottom |
| Loan Growth (Y/Y) | 10.59% | 7.64% | +2.95% | 75th top |
| Deposit Growth (Y/Y) | -2.97% | 6.03% | -9.00% | 10th bottom |
See Bank of Pensacola's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Pensacola, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Pensacola profile, how to read a UBPR, or how this data updates.