Century Bank of Florida: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Century Bank of Florida. It reported $101 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.52% a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.56 a year on every $100 of assets, about half the median of $1.28 for banks its size.
The commercial and industrial book ($9.4 million) is worsening: 6.16% of it is past due or on nonaccrual, up from 0.83% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 6.7% and deposits fell 0.8%.
As of June 30, 2026, Century Bank of Florida reported a CET1 capital ratio of 15.55%, a return on assets of 0.56%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 5.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 716 W Fletcher Ave, Tampa, FL 33612
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 11, 2000
- Offices
- 1 domestic
- Employees (FTE)
- 17
- Domestic deposits
- $87.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $99.4M
- Average total loans
- $61.0M
- Average interest-bearing deposits
- $53.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 11, 2000
- FDIC Cert
- 35558
- Fed RSSD
- 2939001
- Website
- www.centurybk.com →
- Parent Holding Company
- CENTURY BANCSHARES OF FLORIDA, INC. (RSSD 3492790)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Century Bank of Florida terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Century Bank of Florida, freeCentury Bank of Florida rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.55% | 0.56% | 0.99% | 5.82% | 4.55% |
| Q1 2026 | 15.31% | 0.46% | 0.42% | 2.45% | 4.30% |
| Q4 2025 | 15.07% | 0.95% | 0.42% | 2.49% | 4.55% |
| Q3 2025 | 15.42% | 0.83% | 0.49% | 2.99% | 4.55% |
| Q2 2025 | 15.62% | 0.61% | 0.52% | 3.12% | 4.28% |
| Q1 2025 | 14.96% | 0.51% | 0.08% | 0.52% | 4.17% |
| Q4 2024 | 14.99% | 0.86% | 0.43% | 2.77% | 4.16% |
| Q3 2024 | 15.05% | 0.77% | 0.17% | 1.00% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Century Bank of Florida (main office) | Tampa , FL | 33612 | $87.0M |
Regulatory record
What the public regulatory sources show for Century Bank of Florida, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 25, 2009, Federal Reserve: Written Agreement: Century Bank of Florida, Tampa, Florida
- Period: Most recent institution action August 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 151 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Century Bank of Florida
What are Century Bank of Florida's total assets?
As of the Q2 2026 filing, Century Bank of Florida reported total assets of $101.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Century Bank of Florida headquartered?
Century Bank of Florida is headquartered in Tampa, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Century Bank of Florida founded?
Century Bank of Florida was established in 2000, per the FDIC institution directory.
Is Century Bank of Florida FDIC-insured?
Yes. Century Bank of Florida is an FDIC-insured commercial bank (FDIC Certificate #35558). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank of Florida?
Century Bank of Florida's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Century Bank of Florida's CET1 capital ratio?
Century Bank of Florida reported a Common Equity Tier 1 (CET1) capital ratio of 15.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Century Bank of Florida operate?
Century Bank of Florida operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank of Florida's Texas Ratio?
Century Bank of Florida's Texas Ratio is 5.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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