Bank of Central Florida
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Data as of · sourced from FFIEC call reports. How we update
Bank of Central Florida is an FDIC-insured commercial bank headquartered in Lakeland, FL, established in 2007 (FDIC certificate 58479), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.25B, up 3.1% from Q2 2025, the 27th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 12.53% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58479
- Headquarters
- Lakeland, FL
- Established
- 2007
- Total assets, Q2 2026
- $1.25B
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 12.53%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 063116261
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Central Florida call report
- Holding company
- BANK OF CENTRAL FLORIDA HOLDING COMPANY
- Asset rank in state
- 27th of 81 in Florida
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%. The figures come from its call report filed with the FFIEC.
Bank of Central Florida ranks as the 27th largest of the 81 banks based in Florida, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $1.25B, loans fell 0.3% and deposits fell 0.7%. Non-owner-occupied commercial real estate loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.3%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in FL; its Lakeland 2 offices book 83% of its branch deposits. Judged on its Q2 2026 call report, Bank of Central Florida meets every capital ratio test for well capitalized.
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
- Domestic offices
- 6 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Central Florida's total assets moved between a low of $1.09B (Q3 2023) and a high of $1.25B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.25B total assets against $1.21B; $1.15B total liabilities against $1.12B.
$834.1M net loans and leases against $770.7M; $1.14B total deposits against $1.11B.
$232.4M securities against $214.1M; $138.8M cash and balances due against $183.5M.
$15.4M total interest income against $14.9M; $4.4M total interest expense against $4.3M.
$11.1M net interest income against $10.6M.
$576K total noninterest income against $551K; $6.1M total noninterest expense against $6.3M.
$10K provision for credit losses against $16K.
$4.2M net income against $4.0M.
1.32% return on assets against 1.32%; 3.60% net interest margin against 3.60%.
12.53% CET1 capital ratio against 12.14%; 8.75% tier 1 leverage ratio against 8.27%.
Inside the full Bank of Central Florida terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 860 of 4,196, for total assets; its furthest is 1,543 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.10% (Q3 2024) to 1.32% (Q2 2025) and its net interest margin ran from 3.50% (Q3 2024) to 3.69% (Q1 2025).
| 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
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in FL, rank 61 of 186 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bank of Central Florida headquartered?
It is headquartered in Lakeland, FL, United States.
When was Bank of Central Florida founded?
It was established in 2007, per the FDIC institution directory.
Is Bank of Central Florida FDIC-insured?
Yes. It 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.
What is Bank of Central Florida's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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