Bank of Pensacola
Pensacola, Florida · FDIC Cert #21284
Bank of Pensacola is an FDIC-insured bank (Certificate #21284) with $147M in total assets and $129M in total deposits as of the Q2 2024 Call Report. Headquartered in Pensacola, Florida, the bank maintains a Tier 1 capital ratio of 21.07% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (93/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Pensacola (FDIC cert 21284) is a community bank — $147M in total assets, $129M in deposits, serving the Pensacola, Florida area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.07% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 52.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.37% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of Pensacola carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Pensacola
- Total Assets
- $147M
- Total Deposits
- $129M
- Tier 1 Capital Ratio
- 21.07%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 52.20%
- Return on Assets
- 0.37%
- Headquarters
- Pensacola, Florida
- FDIC Certificate
- #21284
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Pensacola holds a Tier 1 capital ratio of 21.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Pensacola has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Pensacola shows strong financial health indicators. With $147M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Pensacola Compares
Bank of Pensacola’s Health Score of 93 is 19 points above the Florida state average of 74 across 83 FDIC-insured banks. Its 21.07% Tier 1 capital ratio is 7.1 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.37% is below the national ROA benchmark of ~1.1%. Among 1350 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Pensacola is 23 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Pensacola has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 21.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Pensacola's Tier 1 capital ratio of 21.07% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Pensacola is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #21284). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Pensacola holds $147M in total assets and $129M in total deposits. It is headquartered in Pensacola, Florida (FDIC Certificate #21284).
Bank of Pensacola has a Tier 1 capital ratio of 21.07%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.37%.
Yes. Bank of Pensacola is FDIC-insured (Certificate #21284). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Pensacola's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.