Century Bank of Florida: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Century Bank of Florida of Tampa, FL against its peer group of 2603 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 | 0.56% | 1.34% | -0.78% | 14th bottom |
| ROAE | 5.93% | 13.31% | -7.38% | 17th bottom |
| Net Interest Margin | 4.55% | 3.93% | +0.62% | 81st top |
| Efficiency Ratio | 87.31% | 61.14% | +26.17% | 8th bottom |
| PPNR / Avg Assets | 0.56% | 1.68% | -1.12% | 9th bottom |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 79th top |
| Net Interest Spread | 3.83% | 3.32% | +0.51% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.94% | -0.59% | 54th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 58th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 465.74% | 1538.79% | -1073.05% | 69th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.82% | 7.33% | -1.51% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.55% | 19.50% | -3.95% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.55% | 19.54% | -3.99% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.80% | 20.62% | -3.82% | 55th above |
| Leverage Ratio | 10.56% | 12.14% | -1.58% | 43rd below |
| Equity / Assets | 9.36% | 11.37% | -2.01% | 33rd below |
| TCE / Tangible Assets | 9.36% | 11.09% | -1.73% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.78% | 80.64% | -9.86% | 69th above |
| Core Deposit Ratio | 90.42% | 86.86% | +3.56% | 57th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.96% | 5.03% | -1.07% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 6.85% | -5.84% | 26th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.66% | 7.90% | -1.24% | 58th above |
| Deposit Growth (Y/Y) | -0.84% | 6.29% | -7.13% | 19th bottom |
See Century Bank of Florida's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Century Bank of Florida, 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 Century Bank of Florida profile, how to read a UBPR, or how this data updates.