Bank of Pensacola
Pensacola, FL
IDRSSD: 581237
Total Assets
$144.35M
Latest filing
Total Deposits
$130.34M
Latest filing
Net Interest Margin
3.08%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
063208823PENSACOLA, FL
Key People
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Locations
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Main Office
Bank of Pensacola
500 S Palafox St
Pensacola, FL 32502
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/26/1973FDIC Certificate 14726
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Pensacola (Main) | 500 S Palafox St | Pensacola, FL |
| BANK OF PENSACOLA | 5560 W Highway 98 | Pensacola, FL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/26/1973 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32502 |
| State and County Number | 12033 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Pensacola-Ferry Pass-Brent, FL |
Operational Info
| Number of Employees | 14 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/26/1973 |
| Primary Insurance Agency | DIF |
| Website | www.bankpensacola.com |
| Data Updated | 01/30/2026 |
| CERT | 21284 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $144.35M |
| Total Deposits | $130.34M |
| Total Liabilities | $130.63M |
| Total Equity Capital | $13.72M |
| Net Income | $294.00k |
| Net Loans and Leases | $75.68M |
| Assets Per Employee ($Millions) | $11.1M |
| Bank Premises and Fixed Assets | $945.00k |
| Cash and Balances due from Depository Institutions | $17.14M |
| Deposits Held in Domestic Offices | $130.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.82% |
| Return on Equity (ROE) | 8.66% |
| Net Interest Margin | 3.08% |
| Efficiency Ratio | 65.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.506% |
| Earning Assets to total Assets | 96.55% |
Income and Expense
| Total Interest Income | $1.35M |
| Total Noninterest Income | $74.00k |
| Total Interest Expense | $304.00k |
| Total Noninterest Expense | $741.00k |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $383.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $289.00k |
| Total Liabilities and Capital | $144.35M |
Securities
| Securities | $49.66M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $49.66M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Pensacola?
$144.35M as of the latest filing.
How much are Bank of Pensacola's total deposits?
$130.34M in total deposits.
Where is Bank of Pensacola located?
Pensacola, FL.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
2.
When was it established?
10/26/1973.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$75.68M (latest filing).
What is the total interest income (latest filing)?
$1.35M.