Bank · FDIC insured
Bank of Pensacola
A $147M bank headquartered in Pensacola, FL, with 2 branches in Florida. Best rates: CDs 1.50% and savings 2.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—1.50%CD rates →
- Savings892.00%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bank of Pensacola
Established in 1973, Bank of Pensacola was founded to serve the needs of service members aboard Naval Air Station Pensacola and their families.
The institution has since expanded to serve citizens in Pensacola and the surrounding area.
- Headquarters
- 500 S Palafox St, Pensacola, FL 32502
- FDIC certificate
- 21284 ↗
Branches
2 branches in Florida
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Florida
2 branches
- Bank of PensacolaMain office500 S Palafox St, Pensacola, FL 32502Directions
- Bank Of Pensacola5560 W Highway 98, Pensacola, FL 32507Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.84% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.02% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $61 | $81 | — |
- CapitalLeverage ratio9.84%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.02%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$61Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bank of Pensacola are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.