Bank of Pensacola

Pensacola, FloridaFDIC Cert #21284

STATEEstablished 19732 branches

Holding company: FIVE FLAGS BANKS INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$4.11M
Investor CRE	$9.73M
Multifamily	$160K
Construction	$10.5M
1–4 family	$49.7M
C&I	$3.4M
Agriculture	$0
Other	$506K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$78.2M

+8.0%y/y

Percentile by value21st percentileby value

FDICLNLSGR

Net loans

$77.6M

+8.0%y/y

Percentile by value22nd percentileby value

FDICLNLSNET

Loans YoY

+8.02%

+61.3%y/y

Percentile by value65th percentileby value

FDICLNLSNET

L/D

60.4%

+5.8%y/y

Percentile by value25th percentileby value

FDICLNLSNET + DEP

Loans/assets

54.4%

+5.5%y/y

Percentile by value29th percentileby value

FDICLNLSNET + ASSET

RE loans %

130.61%

+5.4%y/y

Percentile by value100th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

5,700points

+9.8%y/y

Peer standing6th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

5.26%

−25.2%y/y

Percentile by value32nd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

12.45%

−22.7%y/y

Percentile by value68th percentileby value

FDICLNRENROT + LNLSGR

C&I %

4.35%

−18.3%y/y

Percentile by value19th percentileby value

FDICLNCI + LNLSGR