Bank of Central Florida: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Central Florida operates with a thinner capital cushion than most banks of its size. Based in Lakeland, Florida, it had $1.2 billion in assets at June 30, 2026, up 3.1% from a year earlier. It funds 8.75% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it returns 17.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Loans are outrunning deposits: over the year loans rose 8.3% and deposits rose 2.3%. Delinquency has appeared in its $228 million non-owner-occupied commercial real estate book: 0.79% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Bank of Central Florida reported a CET1 capital ratio of 12.53%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.66%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5015 S Florida Ave, Lakeland, FL 33813
- County
- Polk
- Metro Area
- Lakeland-Winter Haven, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 19, 2007
- Offices
- 6 domestic
- Employees (FTE)
- 103
- Domestic deposits
- $1.14B
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.27B
- Average total loans
- $847.9M
- Average interest-bearing deposits
- $820.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 19, 2007
- FDIC Cert
- 58479
- Fed RSSD
- 3588312
- Website
- www.bankofcentralflorida.com →
- Parent Holding Company
- BANK OF CENTRAL FLORIDA HOLDING COMPANY (RSSD 4974453)
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.
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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 Bank of Central Florida terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Central Florida, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Central 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 | 12.53% | 1.32% | 0.21% | 1.66% | 3.60% |
| Q1 2026 | 12.04% | 1.26% | 0.21% | 1.72% | 3.61% |
| Q4 2025 | 12.34% | 1.20% | 0.00% | 0.00% | 3.66% |
| Q3 2025 | 12.20% | 1.30% | 0.00% | 0.00% | 3.60% |
| Q2 2025 | 12.14% | 1.32% | 0.00% | 0.03% | 3.60% |
| Q1 2025 | 11.11% | 1.29% | 0.00% | 0.03% | 3.69% |
| Q4 2024 | 12.21% | 1.13% | 0.00% | 0.00% | 3.56% |
| Q3 2024 | 11.69% | 1.10% | 0.00% | 0.00% | 3.50% |
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 all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Central Florida (main office) | Lakeland , FL | 33813 | $759.3M |
| Downtown Lakeland Office | Lakeland , FL | 33801 | $184.2M |
| Winter Haven Branch | Winter Haven , FL | 33880 | $79.2M |
| Dale Mabry Branch | Tampa , FL | 33609 | $69.0M |
| Plant City Branch | Plant City , FL | 33563 | $28.6M |
| South Tampa Branch | Tampa , FL | 33606 | $17.5M |
Regulatory record
What the public regulatory sources show for Bank of Central 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in FL, rank 61 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 58 applications, 49 loans originated, $24.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $6.1M approved, $872K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). 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 Bank of Central Florida
What are Bank of Central Florida's total assets?
As of the Q2 2026 filing, Bank of Central Florida reported total assets of $1.25 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Central Florida headquartered?
Bank of Central Florida is headquartered in Lakeland, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Central Florida founded?
Bank of Central Florida was established in 2007, per the FDIC institution directory.
Is Bank of Central Florida FDIC-insured?
Yes. Bank of Central Florida is an FDIC-insured commercial bank (FDIC Certificate #58479). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Central Florida?
Bank of Central Florida's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Central Florida's CET1 capital ratio?
Bank of Central Florida reported a Common Equity Tier 1 (CET1) capital ratio of 12.53% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Central Florida operate?
Bank of Central Florida operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Central Florida's Texas Ratio?
Bank of Central Florida's Texas Ratio is 1.66% 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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