Bank of Pensacola

500 South Palafox Street
Pensacola, FL 32502

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21284
Date Established 1973
Assets $0.08 billion
Loans $0.04 billion
Deposits $0.07 billion
Capital $0.01 billion

Bank of Pensacola is an FDIC insured institution located in Pensacola, FL. It was founded in 1973 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of Pensacola's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn MoreShow Less
6 Mo CD
0.60% $500 - Learn MoreShow Less
12 Mo CD
1.20% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.20% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Pensacola

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Bank of Pensacola
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Branches

Bank of Pensacola branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank of Pensacola Locations


Financial Details

Bank of Pensacola Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Pensacola. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Pensacola U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Bank of Pensacola had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,201,000 in equity and $398,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Pensacola U.S. Bank Average
1% 9.47%

Bank of Pensacola has a Return on Equity of 1% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Pensacola U.S. Bank Average
13.29% 12.49%

Bank of Pensacola has a Capitalization of 13.29% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Pensacola Balance Sheet Analysis

As of March 31, 2019, Bank of Pensacola had assets of $84,279,000, loans of $40,746,000, and deposits of $73,065,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 81.64%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bank of Pensacola’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Bank of Pensacola’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 43.16
Multifamily
Mortgages
1.34
Credit Card Loans 0.00
Consumer Auto Loans 1.78
Small Business Loans 0.00
Construction and Development Loans 10.05
Commercial Real Estate 37.64
Commercial and Industrial Loans 5.51
Farm Loans 0.00

Frequently Asked Questions About Bank Of Pensacola

Branches and Savings

Is Bank Of Pensacola FDIC insured?

Yes. It is covered under FDIC Certificate #21284.

Why does Bank Of Pensacola pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Pensacola CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Pensacola a commercial bank?

Yes

Where are Bank Of Pensacola locations?

See branch locations nearby.

Is Bank Of Pensacola open on Saturdays?

Is Bank Of Pensacola open on Sundays?

What time does Bank Of Pensacola open?

What time does Bank Of Pensacola close?

Are Bank Of Pensacola ATMs Open 24/7?

Do Bank Of Pensacola ATMs accept cash deposits?

Can Bank Of Pensacola customers use other ATMs?

Do Bank Of Pensacola branches have notaries?

Will Bank Of Pensacola notarize my document?

What address for Bank Of Pensacola should I put for incoming ACH transfers?

Will the Bank Of Pensacola branch print checks?

Do Bank Of Pensacola checks expire?

Does Bank Of Pensacola require US citizenship to open account?

Can Bank Of Pensacola close my account?

Does Bank Of Pensacola Report to credit bureaus?

Does Bank Of Pensacola Use Equifax?

What is Bank Of Pensacola's ACH Routing Number?

What is Bank Of Pensacola's SWIFT code?

Products

Does Bank Of Pensacola offer mortgages?

Compare mortgage rates here.

Does Bank Of Pensacola offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Pensacola offer personal loans?

Compare personal loan rates here.

Does Bank Of Pensacola offer student loans?

Will Bank Of Pensacola cash a check?

Will Bank Of Pensacola redeem a savings bond?

Does Bank Of Pensacola cash savings bonds?

Will Bank Of Pensacola cash money orders?

Can Bank Of Pensacola issue a money order?

Does Bank Of Pensacola do currency exchange?

Background on The Bank

Who owns Bank Of Pensacola?

How long has Bank Of Pensacola been around?

Can Bank Of Pensacola transfer to other banks?

Does Bank Of Pensacola have quick pay?

Does Bank Of Pensacola accept rolled coins?

Will Bank Of Pensacola accept loose change?

Where is Bank Of Pensacola headquarters?

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