# BANK OF PENSACOLA
PENSACOLA, FL · FDIC certificate 21284 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $147.0M | |
| Deposits | $132.6M | |
| Loans and leases | $80.9M | |
| Total equity | $14.1M | |
| Loans / deposits | 60.61% (p31 of band) | 73.59% |
| Liquid assets / assets | 43.89% (p70 of band) | |
| Uninsured deposits / deposits | 33.74% (p88 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.84% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -9.12% (p42 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.02% (p40 of band) | 1.17% |
| Net interest margin | 3.13% (p16 of band) | 3.93% |
| Efficiency ratio | 58.50% (p32 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p55 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 87.94% (p92 of band) | |
| Auto loans | $232,000 (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 4 | deposits shrinking |  |
| 2013-09 | 5 | assets shrinking |  |
| 2013-12 | 4 |  | assets shrinking |
| 2014-03 | 5 | capital falling, uninsured deposits leaving | deposits shrinking |
| 2014-06 | 4 |  | uninsured deposits leaving |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 5 | uninsured deposits leaving |  |
| 2016-03 | 4 |  | uninsured deposits leaving |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 |  | losing money, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 | losing money | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 3 |  | losing money |
| 2019-03 | 1 |  | expense ratio p90, NIM <2.5% |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, NIM <2.5% |  |
| 2020-12 | 1 |  | NIM <2.5% |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 | capital falling | uninsured deposits leaving |
| 2023-06 | 4 |  | capital falling |
| 2023-09 | 3 |  | assets shrinking |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 3 | deposits shrinking |  |
| 2024-06 | 2 |  | deposits shrinking |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | NIM <2.5% |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2009-07-07 [Taylor retires from Synovus after 35 years of service - WTVM.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMHA4V2M4TUhBeExYVzgwMUtfZkNEQU5DUDBpak5BcVVkQ2t5OFZNcDItN254blk3TDE2eFhKc05La09qblpJeDF3WDRwdm00R2lIN1ZzRkF3YWc4Rldoa2hfaW5RMU9heDNaWlVHY05DSmpLUmwxeE81dmI2eWFwQWVRZXQtQzRpRnYxWGdMRWd1NnNr0gGnAUFVX3lxTFBDVFc4WVMzX0JIOFFmUDdjdEJMRmR5UEdncE5iSUV1ZVZncFZkY0tvY3JUS3lKZ1VZMmplWEMwOHhSd0t5anRhT0pYWDI1ZFZHQ3pnR25sNmpXSVF4V0QyNWNBTTRLUHNKa19CTWxCRGRRdGFFNE05Z3QtTXgzZUtBY2dIRk1OWFBmS0l2QlBnZVE0amhDMF9sRU5ZRGFXZGIzVGIwczlB?oc=5) · WTVM.com
- 2020-10-31 [Jean Maygarden Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNWmtmaFJydE9VLUYwZjA2M2xNVDR0NlhlX0YxeDBBVnpvTjNxNmJ6UExLM29lS0Z2X182NVUxV3hKT0FwV1p5aFhQUkJMRWNLWXlEQ0ozeG5pdDE4TndaZE5MQVJQMWttemtYSzZmUm5ITk9JYkx0RUcxSTFmWHhzc3RSMW8?oc=5) · Dignity Memorial
- 2021-11-16 [David Riddle Obituary (2008) - Pensacola, FL - the Pensacola News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxPN2pud2dDcktadXoyX3RPNURLOUJxS3VNNVJsSWVSa2dJN2dVVGhwRFJyU3RZNnVkdGROVFp3V3ItZm8ybktGOHhpRXkxemRVTFItOU56bEFMM2ZSTHM0ZFpYZWxJMkxwNlM5VFktSG1RNzRZYXduRGc3TGw1NTNrY19uUnp4ZzFUSDcxQmVJNnRZWkl0ZGhBMnU5SHU?oc=5) · Legacy obituary
- 2021-07-29 [Brenda Linkous Obituary - Pensacola, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOTHJ3ZEF0NDFTaU9hX21BUXNIOFNnV2NRZ0tETFhPaHJCOUxWNWZaYlJyT0FINWlaRzAtZkkwOC1xR0xkNTNmRFZWQTg4TUZPN0dhaU5rbFN2Mjl2ZU1JTUtaLTZlcjloTFdiSnFaYU1sOEYzQjI1TmppaEltZXlXT2ZtYVJ5UQ?oc=5) · Dignity Memorial
- 2021-11-05 [Richard Morette Obituary (2009) - Pensacola, FL - the Pensacola News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZkh6RWwzNTRKekhQQk96TUlGRFV4anVTSS1ma0xUTzVKWi12YW4xV2xYUGxZUE9lS0FLOGJyMEp2bzBTOUJtZExINWRpNVctbS1ubkp5TWVkLXE1NTVCTXhqQy1Yb1ZmVmhjYWdjM05fV01tX3NfMmhJVzRxS0JibFJZTGxzS0xIcFA3NW9DTk4wbVZOcHBvMFBseXZPV0R1?oc=5) · Legacy obituary
- 2022-11-19 [John Peavy Obituary - Brooksville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWmxnaWR5bmxIeExueGMweF90VWJ5ZVZJaDIyUTdyNEJBVEUzT01fYi1GdEJwb29ScXpScC1wRHdkcmEybFdfWWNpVnZYWVR6LWFsb3pIcVd0aGVmY0dGcEIwdF9MNk4tYzNISWtjZlhZc2FaMGg4Y2FmbVVxVWpuejAxZw?oc=5) · Dignity Memorial
- 2009-08-02 [Gloria White Obituary (2009) - Pensacola, FL - the Pensacola News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTGdEVFNOX1c4eUowUm9WRnVzcS1ZVkVPeWJxWmlqWDVSUzU2UEd1c3A2YldjdE4yUl9CSnE1Rnh3a1k3LURPbWFnQkhUTEZLSTlKN3cyZm43MTVNVFdOdXlleXdWbkhzZmszWlAtNjJXUlRxdDIzc0pKcGswVWl4ckRZdW5lWm0wYXhybDFiMVhHcEJXekRrWmJfc24?oc=5) · Legacy obituary
- 2012-01-29 [Christopher Moorhead Obituary (1967 - 2012) - Pensacola, FL - the Pensacola News Journal - Legacy obituary](https://news.google.com/rss/articles/CBMipwFBVV95cUxON3dLSURsdUMyQWg4R3FSOXJfcGdFdGM3ZkF2Y3hRQ1Q4U1UxX3ZPQTVPLTg5YTBoa24yUzNYSk9VS29hZHJlQ3NyTmFjYTFCOTdvU1ZIRXc1eTd3V1ZlaUlNWUo3cVkyWWpkRDNRQ1prNGJYemtzUFkwMjFmcncyLUs1dGNGODY2SGJ3WFZhWGNvc1JLWTNTTkNwWTRmdjY1cFJRTTg2Yw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21284 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "21284", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide