Century Bank of Florida: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.47 percentage points in Q2 2026, from 67.31% to 70.78%. It was the largest change from Q1 2026 among the key lines here. Century Bank of Florida ranks 55th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 70.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Century Bank of Florida sits 10.05 points lower, at 70.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $61.6M |
| Net loans and leases | $60.6M |
| Loans held for sale | $0 |
| Loans to total assets | 60.90% |
| Loan-to-deposit ratio | 70.78% |
| Net loans to equity capital | 6.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.82% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.29% |
| Consumer | 8.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.90% |
| Construction concentration (Tier 1 capital + allowance) | 46.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.18% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $59.5M | $90.1M | 34.11% | 17.84% | 6.77% |
| Q4 2023 | $58.1M | $93.4M | 32.18% | 18.00% | 7.22% |
| Q1 2024 | $58.2M | $92.6M | 33.52% | 16.88% | 7.88% |
| Q2 2024 | $57.4M | $94.7M | 33.78% | 18.76% | 7.60% |
| Q3 2024 | $57.0M | $92.3M | 32.71% | 17.63% | 7.75% |
| Q4 2024 | $60.0M | $87.0M | 34.29% | 16.17% | 7.53% |
| Q1 2025 | $58.4M | $93.4M | 34.09% | 15.65% | 7.34% |
| Q2 2025 | $57.7M | $87.7M | 34.43% | 15.85% | 6.77% |
| Q3 2025 | $61.2M | $83.4M | 35.01% | 15.26% | 8.33% |
| Q4 2025 | $62.4M | $90.7M | 38.29% | 13.93% | 8.20% |
| Q1 2026 | $60.4M | $89.8M | 38.03% | 15.69% | 8.13% |
| Q2 2026 | $61.6M | $87.0M | 37.82% | 15.29% | 8.02% |
Century Bank of Florida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Florida, freeSource: Call Report Schedule RC-C, 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 Century Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35558) · FFIEC NIC profile (RSSD 2939001)