Central Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Bank of Tampa, FL against its peer group of 2757 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 | 0.95% | 1.25% | -0.30% | 29th below |
| ROAE | 10.89% | 13.17% | -2.28% | 40th below |
| Net Interest Margin | 3.50% | 3.95% | -0.45% | 26th below |
| Efficiency Ratio | 59.30% | 61.50% | -2.20% | 55th above |
| PPNR / Avg Assets | 1.40% | — | — | 38th below |
| Yield on Earning Assets | 6.34% | 5.67% | +0.67% | 82nd top |
| Cost of Funds | 3.09% | 1.87% | +1.22% | 4th bottom |
| Net Interest Spread | 2.84% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.93% | -0.93% | 93rd top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.17% | 0.15% | +0.02% | 14th bottom |
| ACL / Total Loans | 0.75% | — | — | 9th bottom |
| Texas Ratio | 0.32% | 6.06% | -5.74% | 80th top |
| Provision / NCO | 120.19% | — | — | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.11% | 11.75% | -2.64% | 14th bottom |
| Equity / Assets | 9.14% | 10.98% | -1.84% | 29th below |
| TCE / Tangible Assets | 9.10% | — | — | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.47% | 80.44% | +21.03% | 10th bottom |
| Core Deposit Ratio | 69.24% | 86.95% | -17.71% | 5th bottom |
| Wholesale Funding Ratio | 6.33% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.68% | — | — | 73rd above |
| Loan Growth (Y/Y) | 9.56% | — | — | 71st above |
| Deposit Growth (Y/Y) | 10.71% | — | — | 85th top |
See Central Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Bank, 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 Central Bank profile, how to read a UBPR, or how this data updates.