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iAdvertiser Disclosure
Advertiser Disclosure
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 Bank of Pensacola Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Bank of Pensacola's 12-Months Certificate of Deposits 12-Month rates are at 1.50%, 6-Months Certificate of Deposits 6-Month rates are at 0.30%, 3-Months Certificate of Deposits 3-Month rates are at 0.25%. Bank of Pensacola's savings rates are at 0.30%. Bank of Pensacola's money market rates are at 1.00%. MonitorBankRates evaluates the financial stability of Bank of Pensacola with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/17/2026. Bank of Pensacola money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Pensacola? Share your experience about Bank of Pensacola by leaving a review below, or read customer reviews before you decide to use Bank of Pensacola. 
Bank of Pensacola CD Rates
Bank of Pensacola Savings Rates
Bank of Pensacola Money Market Rates
Bank of Pensacola Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bank of Pensacola is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Bank of Pensacola rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bank of Pensacola's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Bank of Pensacola
Bank Holding Company
FIVE FLAGS BANKS INC
Address
500 S Palafox St,
Pensacola, FL 32502 · Escambia
Website
https://www.bankpensacola.com
FDIC Certificate #
21284
Established
10/26/1973
FDIC Insurance Date
10/26/1973
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4352%
Return on Equity (ROE)
5.1100%
Non-Performing Loans (NPL)
0.00%
Total Assets
$144,348,000
Total Deposits
$130,337,000
Equity Capital
$13,722,000
Net Income
$1,028,000
Headquarters
Pensacola
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Bank of PensacolaIs Bank of Pensacola a safe place to deposit money?Yes, Bank of Pensacola is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Bank of Pensacola operate?Bank of Pensacola currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Bank of Pensacola does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bank of Pensacola provides members with tools to manage their accounts and build a solid financial history. Does Bank of Pensacola offer online and mobile banking?Most modern institutions like Bank of Pensacola provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankpensacola.com. Current Bank of Pensacola Rates
Retrieved from our database of financial products. Rates subject to change.
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