CENTRAL BANK

TAMPA, FL | Small | Est. Feb. 26, 2007, midnight | FDIC #58377 | RSSD #3468450 | FDIC
Latest Report: 2025-12-31

CENTRAL BANK is asn small FDIC-insured commercial bank headquartered in TAMPA, FL, established in Feb. 26, 2007, midnight. As of 2025-12-31, the bank reported total assets of $369M and total deposits of $301M. Profitability stands at 0.99% ROA and 11.44% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 10.85%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 3.33%. FDIC Certificate #58377.

Assets

$369M

Deposits

$301M

Loans

$314M

Equity

$32M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 11.44%
Net Interest Margin (NIM) 3.78%
Yield on Assets 6.93%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.03%
Texas Ratio 3.33%
NPA Ratio 0.31%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 10.85%
Tier 1 Capital 10.85%
Total Capital Ratio 11.69%
Leverage Ratio 8.67%
Loan-to-Deposit 104.36%

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