The Warrington Bank
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Data as of · sourced from FFIEC call reports. How we update
The Warrington Bank is an FDIC-insured commercial bank headquartered in Pensacola, FL, established in 1953 (FDIC certificate 17193), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $173.9M, up 2.7% from Q2 2025, the 70th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.72% 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
- 17193
- Headquarters
- Pensacola, FL
- Established
- 1953
- Total assets, Q2 2026
- $173.9M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 16.72%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 063205923
- Holding company
- FIVE FLAGS BANKS, INC.
- Asset rank in state
- 70th of 81 in Florida
The Warrington Bank, based in Pensacola, Florida, reported $174 million in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 0.61% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 16.72% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $310,000, 68% above the same quarter a year earlier. Over the same year, loans shrank 1.9% and deposits grew 2.8%. Its margin is thin by comparison: it keeps 3.06 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, The Warrington Bank reported a return on assets of 0.72%, 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, The Warrington Bank is the 70th largest of the 81 banks headquartered in Florida. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $173.9M, loans rose 6.1% and deposits rose 1.0%. 1-4 family residential loans made up 46.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.7%. The FDIC Summary of Deposits lists 4 offices for it, in Pensacola, FL and Pensacola Beach, FL; its Pensacola 3 offices book 92% of its branch deposits. Judged on its Q2 2026 call report, The Warrington Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4093 Barrancas Ave, Pensacola, FL 32507
- 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
- March 18, 1953
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $145.0M
- Allowance for credit losses
- $535K
- Net charge-offs (YTD)
- $0
- Average total assets
- $172.6M
- Average total loans
- $54.2M
- Average interest-bearing deposits
- $103.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 18, 1953
- FDIC Cert
- 17193
- Fed RSSD
- 199137
- Website
- www.warringtonbank.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, The Warrington Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Warrington Bank's total assets ran between $166.0M (Q1 2025) and $188.1M (Q3 2023), 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
$173.9M total assets against $169.3M; $145.1M total liabilities against $141.1M.
$54.4M net loans and leases against $55.5M; $145.0M total deposits against $141.1M.
$103.1M securities against $97.0M; $14.6M cash and balances due against $14.8M.
$1.5M total interest income against $1.3M; $218K total interest expense against $201K.
$1.3M net interest income against $1.1M.
$110K total noninterest income against $107K; $1.0M total noninterest expense against $974K.
$0 provision for credit losses against $0.
$310K net income against $184K.
0.72% return on assets against 0.44%; 3.06% net interest margin against 2.69%.
16.72% tier 1 leverage ratio against 16.78%.
Inside the full The Warrington Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Warrington Bank rankings
Its closest position to the top of a national ranking is 3,141 of 4,196, for total assets; its furthest is 3,554 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q3 2024) to 0.72% (Q2 2026) and its net interest margin ran from 2.19% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.72% | 0.72% | 0.00% | 0.00% | 3.06% |
| Q1 2026 | 16.56% | 0.64% | 0.00% | 0.00% | 2.92% |
| Q4 2025 | 16.58% | 0.54% | 0.00% | 0.00% | 2.81% |
| Q3 2025 | 16.57% | 0.41% | 0.00% | 0.00% | 2.80% |
| Q2 2025 | 16.78% | 0.44% | 0.00% | 0.00% | 2.69% |
| Q1 2025 | 16.92% | 0.36% | 0.00% | 0.00% | 2.55% |
| Q4 2024 | 16.37% | 0.35% | 0.00% | 0.00% | 2.43% |
| Q3 2024 | 15.35% | 0.14% | 0.00% | 0.00% | 2.19% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Fairfield Branch | Pensacola , FL | 32506 | $55.8M |
| The Warrington Bank | Pensacola , FL | 32507 | $43.4M |
| Perdido Branch | Pensacola , FL | 32507 | $33.8M |
| Beach Branch | Pensacola Beach , FL | 32561 | $11.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2022 | Structure Change | Acquired Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 138 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
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Frequently asked about The Warrington Bank
What are The Warrington Bank's total assets?
As of the Q2 2026 filing, The Warrington Bank reported total assets of $173.9 million in its FFIEC call report.
Where is The Warrington Bank headquartered?
It is headquartered in Pensacola, FL, United States.
When was The Warrington Bank founded?
It was established in 1953, per the FDIC institution directory.
Is The Warrington Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Warrington Bank?
The Warrington Bank's primary federal regulator is the FDIC.
How many branches does The Warrington Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Warrington Bank'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.
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