Bank of Pensacola is a state-chartered bank headquartered in Pensacola, Florida, in business for about 53 years. At the end of Q2 2026 it reported $147.0M in total assets and $132.6M in deposits, with 2 offices.
Bank of Pensacola has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 27th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (48/100, 9.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.78% |
| Q3 2024 | 8.80% |
| Q4 2024 | 8.84% |
| Q1 2025 | 9.33% |
| Q2 2025 | 9.54% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.74% |
| Q1 2026 | 9.84% |
| Q2 2026 | 9.84% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $147.0M | 9.84% | 0.00% | 1.02% | 60.6% |
| Q1 2026 | 73 | $142.6M | 9.84% | 0.00% | 0.98% | 60.4% |
| Q4 2025 | 71 | $144.3M | 9.74% | 0.00% | 0.71% | 58.1% |
| Q3 2025 | 70 | $142.2M | 9.59% | 0.00% | 0.68% | 57.3% |
| Q2 2025 | 69 | $150.2M | 9.54% | 0.00% | 0.69% | 53.1% |
| Q1 2025 | 70 | $139.2M | 9.33% | 0.00% | 0.73% | 57.1% |
| Q4 2024 | 65 | $144.9M | 8.84% | 0.00% | 0.38% | 54.5% |
| Q3 2024 | 65 | $146.7M | 8.80% | 0.00% | 0.33% | 53.6% |
| Q2 2024 | 65 | $147.3M | 8.78% | 0.00% | 0.29% | 52.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PNB Community BankBank Niceville, FL | 75 out of 100, Strong | $155.2M | 10.3% | 0.04% | vs |
| Bank of Belle GladeBank Belle Glade, FL | 72 out of 100, Strong | $160.1M | 10.2% | 0.00% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
| Peoples Bank of GracevilleBank Graceville, FL | 75 out of 100, Strong | $115.8M | 10.3% | 0.34% | vs |
| Gulf Coast Business BankBank Fort Myers, FL | 70 out of 100, Strong | $186.6M | 12.5% | 0.00% | vs |
| Century Bank of FloridaBank Tampa, FL | 60 out of 100, Moderate | $101.1M | 10.6% | 0.99% | vs |
Deposit insurance
Is my money safe at Bank of Pensacola?
Yes. Bank of Pensacola is an FDIC-insured institution (FDIC certificate #21284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($44.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Bank of Pensacola lists 2 offices in 1 city. Most locations:
- Pensacola, FL (2)
Identity & history
Profile
- Legal name
- Bank of Pensacola
- Former names
- First Navy Bank
- Type
- State-chartered bank
- FDIC certificate #
- 21284
- RSSD ID
- 581237
- Primary regulator
- FDIC
- Holding company
- Five Flags Banks Inc
- Established
- October 26, 1973
- Headquarters
- 500 S Palafox St, Pensacola, FL 32502
- Website
- www.bankpensacola.com
- Employees
- 13
Quick answers
Bank of Pensacola: common questions
Is Bank of Pensacola FDIC insured?
Yes. Bank of Pensacola is an FDIC-insured institution (FDIC certificate #21284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Pensacola's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Pensacola ever failed?
There is no failure record for FDIC certificate #21284 in the FDIC failed bank list.
How many branches does Bank of Pensacola have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pensacola
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members First Credit Union of FloriCredit union Pensacola, FL | 93 out of 100, Very strong | $315.8M | 15.4% | 0.43% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
| Eglin Federal Credit UnionCredit union Fort Walton Bea, FL | 85 out of 100, Very strong | $3.1B | 13.1% | 0.35% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Fnbt BankBank Fort Walton Beach, FL | 79 out of 100, Strong | $628.5M | 11.1% | 0.00% | vs |
| Santa Rosa County Federal Credit UnionCredit union Milton, FL | 78 out of 100, Strong | $223.0M | 13.6% | 1.18% | vs |