Bank of Central Florida: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.69 percentage points in Q2 2026, from 294.35% to 290.66%. It was the largest change from Q1 2026 among the key lines here. Bank of Central Florida ranks 49th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 74.09% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Central Florida sits 14.11 points lower, at 74.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $843.0M |
| Net loans and leases | $834.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.58% |
| Loan-to-deposit ratio | 74.09% |
| Net loans to equity capital | 8.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.28% |
| Multifamily (5+ residential) | 2.65% |
| Commercial and industrial | 16.13% |
| Consumer | 5.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.66% |
| Construction concentration (Tier 1 capital + allowance) | 81.76% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.82% |
| Interest income on loans | $12.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $683.5M | $1.01B | 47.53% | 17.33% | 4.75% |
| Q4 2023 | $720.9M | $1.03B | 45.66% | 17.66% | 4.38% |
| Q1 2024 | $746.9M | $1.01B | 45.92% | 18.65% | 4.30% |
| Q2 2024 | $757.8M | $1.00B | 45.67% | 18.72% | 4.34% |
| Q3 2024 | $763.9M | $1.03B | 46.34% | 17.93% | 4.23% |
| Q4 2024 | $753.7M | $1.06B | 47.48% | 16.86% | 4.21% |
| Q1 2025 | $783.6M | $1.10B | 47.81% | 18.25% | 4.19% |
| Q2 2025 | $778.5M | $1.11B | 48.24% | 17.64% | 4.28% |
| Q3 2025 | $795.8M | $1.14B | 48.22% | 16.58% | 4.07% |
| Q4 2025 | $821.0M | $1.10B | 47.39% | 16.31% | 4.59% |
| Q1 2026 | $846.0M | $1.15B | 45.46% | 17.56% | 4.64% |
| Q2 2026 | $843.0M | $1.14B | 46.28% | 16.13% | 5.02% |
Bank of Central Florida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Central Florida, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Central Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58479) · FFIEC NIC profile (RSSD 3588312)