Century Bank of Florida
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Data as of · sourced from FFIEC call reports. How we update
Century Bank of Florida is an FDIC-insured commercial bank headquartered in Tampa, FL, established in 2000 (FDIC certificate 35558), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $101.1M, up 1.0% from Q2 2025, the 75th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 15.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35558
- Headquarters
- Tampa, FL
- Established
- 2000
- Total assets, Q2 2026
- $101.1M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 15.55%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063115039
- Latest call report
- Q2 2026, FFIEC 051 · Century Bank of Florida call report
- Holding company
- CENTURY BANCSHARES OF FLORIDA, INC.
- Asset rank in state
- 75th of 81 in Florida
Problem loans are rising at Century Bank of Florida. It reported $101 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.52% a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.56 a year on every $100 of assets, about half the median of $1.28 for banks its size.
The commercial and industrial book ($9.4 million) is worsening: 6.16% of it is past due or on nonaccrual, up from 0.83% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 6.7% and deposits fell 0.8%.
As of June 30, 2026, Century Bank of Florida reported a CET1 capital ratio of 15.55%, a return on assets of 0.56%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 5.82%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Century Bank of Florida is the 75th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $101.1M, loans rose 1.9% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.2% of total loans, ahead of owner-occupied commercial real estate loans at 26.3%. The FDIC Summary of Deposits lists a single office for it, in Tampa, FL. On its Q2 2026 call report, Century Bank of Florida meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 716 W Fletcher Ave, Tampa, FL 33612
- County
- Hillsborough
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 11, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $87.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $99.4M
- Average total loans
- $61.0M
- Average interest-bearing deposits
- $53.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 11, 2000
- FDIC Cert
- 35558
- Fed RSSD
- 2939001
- Website
- www.centurybk.com →
- Parent Holding Company
- CENTURY BANCSHARES OF FLORIDA, INC. (RSSD 3492790)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Century Bank of Florida's total assets moved between a low of $97.4M (Q3 2025) and a high of $107.3M (Q2 2024) from Q3 2023 to Q2 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
$101.1M total assets against $100.1M; $91.6M total liabilities against $91.4M.
$60.6M net loans and leases against $56.7M; $87.0M total deposits against $87.7M.
$13.7M securities against $14.7M; $19.2M cash and balances due against $21.2M.
$1.3M total interest income against $1.4M; $297K total interest expense against $340K.
$1.0M net interest income against $1.0M.
$75K total noninterest income against $76K; $980K total noninterest expense against $932K.
No provision recorded in the last 12 quarters.
$139K net income against $154K.
0.56% return on assets against 0.61%; 4.55% net interest margin against 4.28%.
15.55% CET1 capital ratio against 15.62%; 10.56% tier 1 leverage ratio against 9.87%.
Inside the full Century Bank of Florida terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCentury Bank of Florida rankings
Its closest position to the top of a national ranking is 1,160 of 3,640, for Texas Ratio; its furthest is 3,427 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.46% (Q1 2026) to 0.95% (Q4 2025) and its net interest margin ran from 4.16% (Q3 2024) to 4.55% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.55% | 0.56% | 0.99% | 5.82% | 4.55% |
| Q1 2026 | 15.31% | 0.46% | 0.42% | 2.45% | 4.30% |
| Q4 2025 | 15.07% | 0.95% | 0.42% | 2.49% | 4.55% |
| Q3 2025 | 15.42% | 0.83% | 0.49% | 2.99% | 4.55% |
| Q2 2025 | 15.62% | 0.61% | 0.52% | 3.12% | 4.28% |
| Q1 2025 | 14.96% | 0.51% | 0.08% | 0.52% | 4.17% |
| Q4 2024 | 14.99% | 0.86% | 0.43% | 2.77% | 4.16% |
| Q3 2024 | 15.05% | 0.77% | 0.17% | 1.00% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Century Bank of Florida (main office) | Tampa , FL | 33612 | $87.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 25, 2009, Federal Reserve: Written Agreement: Century Bank of Florida, Tampa, Florida
- Period: Most recent institution action August 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 151 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Century Bank of Florida
What are Century Bank of Florida's total assets?
As of the Q2 2026 filing, Century Bank of Florida reported total assets of $101.1 million in its FFIEC call report.
Where is Century Bank of Florida headquartered?
It is headquartered in Tampa, FL, United States.
When was Century Bank of Florida founded?
It was established in 2000, per the FDIC institution directory.
Is Century Bank of Florida FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35558). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Century Bank of Florida?
Century Bank of Florida's primary federal regulator is the Federal Reserve.
What is Century Bank of Florida's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Century Bank of Florida operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Century Bank of Florida's Texas Ratio?
Its Texas Ratio is 5.82% 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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