Bank of Central Florida: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 0.85 percentage points in Q2 2026, from 74.47% to 75.32%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Bank of Central Florida is 22nd of 79 on return on assets, 1.32% as of Q2 2026, above the middle of the field. Bank of Central Florida reported 1.32% on return on assets for Q2 2026, 0.04 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.53% |
| Tier 1 risk-based capital ratio | 12.53% |
| Total risk-based capital ratio | 13.55% |
| Tier 1 leverage ratio | 8.75% |
| Equity capital to assets | 7.99% |
| Tangible equity to tangible assets | 7.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.66% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 496.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 17.04% |
| Net interest margin | 3.60% |
| Efficiency ratio | 52.67% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.09% |
| Core deposits to total deposits | 75.32% |
| Brokered deposits to total deposits | 22.34% |
| Deposits to assets | 91.21% |
| Securities to assets | 18.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.89% | 12.89% | 13.83% | 8.77% | 0.91% |
| Q4 2023 | 11.68% | 11.68% | 12.58% | 8.11% | 1.08% |
| Q1 2024 | 11.32% | 11.32% | 12.22% | 7.96% | 1.05% |
| Q2 2024 | 11.55% | 11.55% | 12.47% | 8.19% | 1.15% |
| Q3 2024 | 11.69% | 11.69% | 12.61% | 8.26% | 1.10% |
| Q4 2024 | 12.21% | 12.21% | 13.17% | 8.17% | 1.13% |
| Q1 2025 | 11.11% | 11.11% | 12.02% | 8.08% | 1.29% |
| Q2 2025 | 12.14% | 12.14% | 13.10% | 8.27% | 1.32% |
| Q3 2025 | 12.20% | 12.20% | 13.16% | 8.35% | 1.30% |
| Q4 2025 | 12.34% | 12.34% | 13.35% | 8.57% | 1.20% |
| Q1 2026 | 12.04% | 12.04% | 13.05% | 8.45% | 1.26% |
| Q2 2026 | 12.53% | 12.53% | 13.55% | 8.75% | 1.32% |
Bank of Central Florida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Central Florida, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)