Bank of Central Florida: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Central Florida of Lakeland, FL against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.46% | -0.14% | 53rd above |
| ROAE | 17.04% | 12.69% | +4.35% | 81st top |
| Net Interest Margin | 3.60% | 3.85% | -0.25% | 42nd below |
| Efficiency Ratio | 52.67% | 57.40% | -4.73% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.74% | 1.88% | -0.14% | 51st above |
| Yield on Earning Assets | 5.02% | 5.72% | -0.70% | 21st bottom |
| Cost of Funds | 1.52% | 2.02% | -0.50% | 80th top |
| Net Interest Spread | 2.87% | 3.18% | -0.31% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 1.00% | -0.79% | 80th top |
| NPA / Total Assets | 0.14% | 0.76% | -0.62% | 81st top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 77th top |
| ACL / Total Loans | 1.06% | 1.31% | -0.25% | 37th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 496.33% | 564.39% | -68.06% | 81st top |
| Texas Ratio | 1.66% | 7.39% | -5.73% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.53% | 17.34% | -4.81% | 33rd below |
| Tier 1 Ratio | 12.53% | 17.37% | -4.84% | 33rd below |
| Total Capital Ratio | 13.55% | 18.42% | -4.87% | 31st below |
| Leverage Ratio | 8.75% | 11.44% | -2.69% | 7th bottom |
| Equity / Assets | 7.99% | 11.34% | -3.35% | 7th bottom |
| TCE / Tangible Assets | 7.98% | 10.50% | -2.52% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.09% | 86.96% | -12.87% | 80th top |
| Core Deposit Ratio | 75.32% | 85.56% | -10.24% | 14th bottom |
| Uninsured Deposit Ratio | 30.43% | 33.13% | -2.70% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.14% | 9.68% | -6.54% | 35th below |
| Loan Growth (Y/Y) | 8.29% | 8.06% | +0.23% | 66th above |
| Deposit Growth (Y/Y) | 2.25% | 7.88% | -5.63% | 32nd below |
See Bank of Central Florida's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Central Florida, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Central Florida profile, how to read a UBPR, or how this data updates.