Central Bank (Tampa, FL)
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Data as of · sourced from FFIEC call reports. How we update
Central Bank is an FDIC-insured commercial bank headquartered in Tampa, FL, established in 2007 (FDIC certificate 58377), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $386.8M, up 7.7% from Q2 2025, the 50th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58377
- Headquarters
- Tampa, FL
- Established
- 2007
- Total assets, Q2 2026
- $386.8M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 9.11%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 063116203
- Holding company
- CENTRAL FINANCIAL HOLDINGS, INC.
- Asset rank in state
- 50th of 81 in Florida
Central Bank pays more for its money than most banks of its size. Its balance sheet stood at $387 million at June 30, 2026, up 7.7% from a year earlier; it is based in Tampa, Florida. It pays an average of 3.09% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $926,000, 56% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 0.27%. Where it has less room is capital: it funds 9.11% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Central Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Central Bank ranks as the 50th largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $386.8M, loans rose 1.4% and deposits rose 1.8%. 1-4 family residential loans made up 33.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 32.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Tampa office books 52% of its branch deposits. Judged on its Q2 2026 call report, Central Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 20701 Bruce B Downs Blvd, Tampa, FL 33647
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, 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
- February 26, 2007
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $325.2M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $213K
- Average total assets
- $391.6M
- Average total loans
- $327.1M
- Average interest-bearing deposits
- $276.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 26, 2007
- FDIC Cert
- 58377
- Fed RSSD
- 3468450
- SEC CIK
- 1372765 → filed by CENTRAL FINANCIAL HOLDINGS, INC.
- Website
- www.centralbankfl.com →
- Parent Holding Company
- CENTRAL FINANCIAL HOLDINGS, INC. (RSSD 3468478)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Central Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Central Bank's total assets ranged from $298.0M (Q4 2023) to $389.7M (Q1 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
$386.8M total assets against $359.2M; $351.4M total liabilities against $328.8M.
$327.5M net loans and leases against $298.9M; $325.2M total deposits against $293.8M.
$28.3M securities against $25.6M; $18.2M cash and balances due against $21.3M.
$6.0M total interest income against $5.4M; $2.7M total interest expense against $2.6M.
$3.3M net interest income against $2.8M.
$38K total noninterest income against $192K; $2.0M total noninterest expense against $2.2M.
$122K provision for credit losses against $83K.
$926K net income against $593K.
0.95% return on assets against 0.67%; 3.50% net interest margin against 3.28%.
9.11% tier 1 leverage ratio against 8.61%.
Inside the full Central Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Central Bank rankings
Its closest position to the top of a national ranking is 1,742 of 3,606, for efficiency ratio; its furthest is 3,076 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.35% (Q3 2024) to 0.98% (Q4 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.56% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.11% | 0.95% | 0.04% | 0.32% | 3.50% |
| Q1 2026 | 8.66% | 0.72% | 0.32% | 2.93% | 3.42% |
| Q4 2025 | 8.67% | 0.98% | 0.37% | 3.35% | 3.56% |
| Q3 2025 | 8.58% | 0.60% | 0.26% | 2.43% | 3.33% |
| Q2 2025 | 8.61% | 0.67% | 0.27% | 2.49% | 3.28% |
| Q1 2025 | 8.58% | 0.55% | 0.42% | 3.90% | 3.29% |
| Q4 2024 | 8.79% | 0.37% | 0.43% | 4.11% | 3.19% |
| Q3 2024 | 9.12% | 0.35% | 0.49% | 4.33% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Central Bank (main office) | Tampa , FL | 33647 | $169.7M |
| Winter Park Branch | Winter Park , FL | 32789 | $79.4M |
| St. Augustine Branch | Saint Augustine , FL | 32084 | $47.0M |
| Suwanee Branch | Suwanee , GA | 30024 | $29.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 101 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $3.8M approved, $754K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Central Bank
What are Central Bank's total assets?
As of the Q2 2026 filing, Central Bank reported total assets of $386.8 million in its FFIEC call report.
Where is Central Bank headquartered?
It is headquartered in Tampa, FL, United States.
When was Central Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Bank?
Central Bank's primary federal regulator is the FDIC.
How many branches does Central Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Bank's Texas Ratio?
Its Texas Ratio is 0.32% 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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