BlastPoint's Banking Scorecard
Bank of Pensacola
Micro
Specialty: Other
FL
FDIC cert 21284
Designations: ✓ Community bank
Pensacola, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Bank of Pensacola demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 24.67% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.3M
-0.4% YoY
+1.5% QoQ
|
-$73.1M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$75.7M
+6.7% YoY
+2.8% QoQ
|
-$63.5M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$130.3M
+0.2% YoY
+1.4% QoQ
|
-$53.3M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.71%
+87.0% YoY
+5.0% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.82%
+23.3% YoY
+2.5% QoQ
|
-1.03% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
67.91%
-14.0% YoY
-1.1% QoQ
|
+0.19% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
58.07%
+6.6% YoY
+1.4% QoQ
|
-16.46% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
47.06%
+3.6% YoY
+1.4% QoQ
|
+24.67% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
+13.7% YoY
+27.6% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.06%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.06% · Tier avg: 22.39%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.07% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Efficiency Ratio
Current: 67.91% · Tier avg: 67.73%
39
39th pctile
Total Deposits
Current: $130.3M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.3M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $75.7M · Tier avg: $139.2M
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
32
32th pctile
Total Loans
Current: $75.7M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $144.3M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.3M · Tier avg: $183.7M
45
45th pctile
Efficiency Ratio
Current: 67.91% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.07% · Tier avg: 74.53%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.06% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%