Century Bank of Florida
Tampa, FL · Cert 35558 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Century Bancshares of FL Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$101.1MAssets
$61.6MLoans
$87.0MDeposits
$9.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets operating in a single state (rank 681 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.40%
Rank 649 of 746
Net Interest Margin
4.17%
Rank 184 of 746
Efficiency Ratio
88.46%
Rank 681 of 746
Equity / Assets
9.36%
Rank 511 of 746
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 9% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.72% | 1.06% | 1.45% | Beats 13% | 649 / 746 | | |
| Return on Equity | 4.25% | 6.74% | 10.51% | 13.63% | Beats 15% | 632 / 746 | | |
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 75% | 184 / 746 | | |
| Efficiency Ratio | 88.46% | 55.74% | 64.58% | 75.47% | Beats 9% | 681 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.09% | 0.42% | 1.07% | Beats 28% | 539 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.55% | 11.55% | 13.75% | 17.60% | Beats 66% | 252 / 746 | | |
| Total Risk-Based Capital Ratio | 16.80% | 11.71% | 14.33% | 18.43% | Beats 68% | 235 / 746 | | |
| Equity / Assets | 9.36% | 8.90% | 10.51% | 13.06% | Beats 32% | 511 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.78% | 61.31% | 78.27% | 90.78% | 37th pctl | 472 / 746 | | |
| Loans / Assets | 60.90% | 53.60% | 66.97% | 76.08% | 37th pctl | 471 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |