Bank of Pensacola
Pensacola, FL
IDRSSD: 581237
Total Assets
$142.20M
Latest filing
Total Deposits
$128.49M
Latest filing
Net Interest Margin
2.91%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Pensacola
500 S Palafox St
Pensacola, FL 32502
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 11/14/2025 |
| CERT | 21284 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $142.20M |
| Total Deposits | $128.49M |
| Total Liabilities | $128.77M |
| Total Equity Capital | $13.43M |
| Net Income | $237.00k |
| Net Loans and Leases | $73.58M |
| Assets Per Employee ($Millions) | $10.16M |
| Bank Premises and Fixed Assets | $950.00k |
| Cash and Balances due from Depository Institutions | $13.69M |
| Deposits Held in Domestic Offices | $128.49M |
Key Performance Ratios
| Return on Assets (ROA) | 0.65% |
| Return on Equity (ROE) | 7.12% |
| Net Interest Margin | 2.91% |
| Efficiency Ratio | 70.78% |
| 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 | 9.442% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $1.30M |
| Total Noninterest Income | $83.00k |
| Total Interest Expense | $297.00k |
| Total Noninterest Expense | $768.00k |
| Net Interest Income | $1.00M |
| Pre-tax Net Operating Income | $317.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $285.00k |
| Total Liabilities and Capital | $142.20M |
Securities
| Securities | $52.64M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $52.64M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Pensacola?
$142.20M as of the latest filing.
How much are Bank of Pensacola's total deposits?
$128.49M in total deposits.
Where is Bank of Pensacola located?
Pensacola, FL.
What is the Net Interest Margin?
2.91%.
How many domestic offices does it operate?
2.
When was it established?
10/26/1973.
What is the Return on Assets (ROA)?
0.65%.
How much are total loans and leases?
$73.58M (latest filing).
What is the total interest income (latest filing)?
$1.30M.