Side-by-side · Q2 2026 data
Bank of Pensacola vs PNB Community Bank
Metric by metric
| Measure | Bank of Pensacola | PNB Community Bank |
|---|---|---|
| TellerScore | 73 | 75 (stronger) |
| Capital cushion | 48 | 53 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 61 | 70 (stronger) |
| Funding & liquidity | 79 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 53rd | 61st |
| Total assets | $147.0M | $155.2M |
| Deposits / shares | $132.6M | $140.3M |
| Capital ratio | 9.84% | 10.32% (stronger) |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.02% | 1.24% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 76.2% |
| Uninsured deposits | 33.7% | 26.3% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
PNB Community Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bank of Pensacola leads on 3 and PNB Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.