Bank of Pensacola

Overview / Commentary
500 South Palafox Street
Pensacola, FL 32502

Bank of Pensacola is headquartered in Pensacola and is the 96th largest bank in the state of Florida. It is also the 4,180th largest bank in the nation. It was established in 1973 and as of December of 2019, it had grown to 13 employees at 2 locations. Bank of Pensacola's CD rates are 33% higher than the national average, and it boasts an A+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Bank of Pensacola has a relatively low asset base.

Health Grade Components

FDIC Certificate #21284
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.05%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$88.9MM$84.0MM
LoansQ4 2019vs Q4 2018$48.2MM$37.6MM
DepositsQ4 2019vs Q4 2018$77.4MM$72.8MM
Equity CapitalQ4 2019vs Q4 2018$11.5MM$11.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$465.00K$373.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$0
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Pensacola Savings Account Rates

1.00%--Kids Club Savings
0.20%$50-Savings Account

Bank of Pensacola Money Market Rates

0.35%*$2.5k*-Money Market Account
OTHER TIERS: 0.25% Up to $2.5k

Bank of Pensacola Checking Account Rates

0.10%$500-Interest Checking

Bank of Pensacola CD Rates

1.20%$500-12 Month CD
0.60%$500-6 Month CD
0.30%$500-3 Month CD

Bank of Pensacola Locations
First Navy Bank500 South Palafox StreetPensacola, FL 32502
First Navy Bank Branch5560 Highway 98 WestPensacola, FL 32507

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