Century Bank of Florida: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.47 percentage points higher than in Q1 2026, at 70.78%. Century Bank of Florida ranks 62nd of 79 Florida banks on return on assets, in the lower half at 0.56% (Q2 2026). Century Bank of Florida's return on assets of 0.56% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.55% |
| Tier 1 risk-based capital ratio | 15.55% |
| Total risk-based capital ratio | 16.80% |
| Tier 1 leverage ratio | 10.56% |
| Equity capital to assets | 9.36% |
| Tangible equity to tangible assets | 9.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.82% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 465.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 5.93% |
| Net interest margin | 4.55% |
| Efficiency ratio | 87.31% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.78% |
| Core deposits to total deposits | 90.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.04% |
| Securities to assets | 13.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.69% | 13.69% | 14.94% | 8.79% | 0.62% |
| Q4 2023 | 14.30% | 14.30% | 15.55% | 9.09% | 1.02% |
| Q1 2024 | 14.36% | 14.36% | 15.62% | 9.02% | 0.57% |
| Q2 2024 | 14.60% | 14.60% | 15.85% | 9.26% | 0.77% |
| Q3 2024 | 15.05% | 15.05% | 16.31% | 9.18% | 0.77% |
| Q4 2024 | 14.99% | 14.99% | 16.24% | 9.47% | 0.86% |
| Q1 2025 | 14.96% | 14.96% | 16.21% | 9.60% | 0.51% |
| Q2 2025 | 15.62% | 15.62% | 16.88% | 9.87% | 0.61% |
| Q3 2025 | 15.42% | 15.42% | 16.67% | 10.03% | 0.83% |
| Q4 2025 | 15.07% | 15.07% | 16.32% | 10.17% | 0.95% |
| Q1 2026 | 15.31% | 15.31% | 16.56% | 10.15% | 0.46% |
| Q2 2026 | 15.55% | 15.55% | 16.80% | 10.56% | 0.56% |
Century Bank of Florida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of Florida, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)