BauerFinancial is widely followed analyst of financial institutions. These are their latest ratings for locally-owned banks along the Panhandle:
5.0 Warrington Bank
5.0 First Navy Bank
5.0 Bank of the South
3.5 First National Bank and Trust
3.5 Bank of Pensacola
3.0 Gulf Coast Community Bank
3.0 First City Bank of Florida
2.0 First National Bank of Florida, Milton
2.0 Beach Community Bank
1.0 Peoples First Community Bank
0.0 Vision Bank, Panama City
For Bauer, five stars is “superior,” four stars is “excellent,” three and a half stars is “good,” three stars is “adequate,” two stars is “problematic,” one star is “troubled” and zero is “lowest rating.”
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