Bank of Pensacola: how it compares with its peers
Against 17 FL banks with half to twice its assets, Bank of Pensacola's strongest measure in Q2 2026 is efficiency ratio (58.50% vs. a 71.65% peer median). Its weakest relative measure is net interest margin (3.13% vs. 3.82%).
| Measure | Bank of Pensacola | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 0.91% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 3.82% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.50% | 71.65% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.3M | $5.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.61% | 71.61% | Context |
What it means for lending operations
Its efficiency ratio of 58.50% is better than the 71.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- PNB Community Bank Niceville, FL · $155M
- Bank of Belle Glade Belle Glade, FL · $160M
- The Warrington Bank Pensacola, FL · $174M
- Peoples Bank of Graceville Graceville, FL · $116M
- Gulf Coast Business Bank Fort Myers, FL · $187M
- Century Bank of Florida Tampa, FL · $101M
Questions about Bank of Pensacola
How big is Bank of Pensacola?
Bank of Pensacola, established in 1973, is headquartered in Pensacola, FL. It reported $147M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Pensacola's return on assets?
1.02% annualized in Q2 2026, against a 0.91% median for 17 FL banks with half to twice its assets, ahead of 53% of them.
What is Bank of Pensacola's efficiency ratio?
58.50% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 71.65%, and lower is better.
Is Bank of Pensacola growing its loans?
Net loans grew 10.7% over the year to Q2 2026, while deposits shrank 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.