BANK OF CENTRAL FLORIDA

LAKELAND, FL | Large | Est. March 19, 2007, midnight | FDIC #58479 | RSSD #3588312 | FDIC
Latest Report: 2025-12-31

BANK OF CENTRAL FLORIDA is aln large FDIC-insured commercial bank headquartered in LAKELAND, FL, established in March 19, 2007, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.21% ROA and 15.66% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 12.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #58479.

Assets

$1.2B

Deposits

$1.1B

Loans

$821M

Equity

$97M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 15.66%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.43%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.04%

Capital & Liquidity

CET1 Ratio 12.34%
Tier 1 Capital 12.34%
Total Capital Ratio 13.35%
Leverage Ratio 8.57%
Loan-to-Deposit 74.95%

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