Is Bank of Pensacola Safe?
Bank of Pensacola has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 21.07% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 52.20% | 100/100 |
| Return on Assets | 0.37% | 35/100 |
| Total Assets | $0.1B | |
How does Bank of Pensacola compare?
With a Bank Health Score of 93/100, Bank of Pensacola sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, Bank of Pensacola ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 21.07% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Pensacola's Bank Health Score fell by 1.0 points to 93/100. Tier 1 capital strengthened by 0.32 percentage points to 21.07%.
Bank of Pensacola has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).