Total Assets
$144M
Total balance-sheet footings
FDIC Cert #21284 · Pensacola, Florida · Est. 1973
Bank of Pensacola - FDIC Bank Health Profile
A community-scale look at Bank of Pensacola's own numbers, pulled straight from its quarterly FDIC Call Report.
- $144M
- Total assets
- C
- Health grade · Fair
- 0.71%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Pensacola earns a PlainBankData health grade of C (60/100), with 9.74% Tier 1 capital, 0.71% ROA, 68% efficiency ratio.
- #3,399
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 9.74%
- Tier 1 ratio - below the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bank of Pensacola's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Pensacola's composite health score
Tier 1 Capital Ratio (9.74%) 18/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (67.91%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$130M
Customer-funded liabilities
Net Loans
$76M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Pensacola ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Pensacola's score of 60/100 falls in the highlighted band.
Bank of Pensacola's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Pensacola's $144M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.74% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.74%
Texas Ratio
0.00%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
7.77%
Efficiency Ratio
67.91%
What the numbers say about Bank of Pensacola
Bank of Pensacola is an FDIC-insured institution (Certificate #21284) headquartered in Pensacola, Florida, established in 1973. It holds $144M in total assets - 3,399th of 4,313 FDIC-insured banks, $130M in customer deposits, and $76M in net loans. On safety, its Tier 1 capital ratio of 9.74% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Bank of Pensacola ranks 77th of 83 banks based in Florida -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$325K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Pensacola reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Pensacola (FDIC Cert #21284) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Bank of Pensacola's health grade?▼
Bank of Pensacola receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Pensacola?▼
Bank of Pensacola holds $144M in total assets and $130M in deposits, ranking 3,399th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pensacola, Florida.
Is my money safe at Bank of Pensacola?▼
Yes, deposits at Bank of Pensacola (Certificate #21284) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Pensacola's Tier 1 Capital Ratio?▼
Bank of Pensacola has a Tier 1 Capital Ratio of 9.74%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Bank of Pensacola?▼
Bank of Pensacola has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Pensacola?▼
Bank of Pensacola has an Efficiency Ratio of 67.91%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Pensacola's profile as a depositor or analyst.
- Bank of Pensacola's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Pensacola against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.