Tampa, FL · Cert 35558 · Century Bancshares of FL Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.1% share · #45 of 60 inst. · $0.1B of $131.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.69% | 0.40% | 0.47% | 0.67% | 0.76% | 0.35% | 0.43% | -5 bps | |
| Return on Equity | 7.82% | 8.48% | 4.90% | 5.67% | 7.38% | 8.27% | 3.93% | 4.65% | -102 bps | |
| Net Interest Margin | 3.87% | 3.89% | 3.87% | 4.01% | 4.25% | 4.23% | 4.02% | 4.20% | +19 bps | |
| Efficiency Ratio | 81.64% | 79.47% | 87.77% | 85.82% | 81.90% | 79.11% | 89.36% | 87.58% | +176 bps | |
| Non-Interest Burden | 3.10% | 3.03% | 3.36% | 3.40% | 3.42% | 3.28% | 3.57% | 3.64% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | -6.46% | 0.54% | -6.69% | -7.82% | 5.78% | -1.63% | 1.01% | +771 bps | |
| Loan Growth (YoY) | -4.28% | 3.31% | 0.22% | 0.48% | 7.33% | 3.92% | 3.57% | 6.66% | +618 bps | |
| Deposit Growth (YoY) | 2.46% | -6.86% | 0.86% | -7.32% | -9.61% | 4.23% | -3.81% | -0.84% | +648 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.43% | 0.08% | 0.52% | 0.49% | 0.42% | 0.42% | 0.99% | +47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.22% | -0.01% | 0.15% | -0.05% | -0.01% | -0.03% | 0.00% | -15 bps | |
| Allowance / Loans | 1.83% | 1.69% | 1.74% | 1.72% | 1.63% | 1.61% | 1.66% | 1.63% | -8 bps | |
| Allowance Coverage of NPLs | 11.0x | 3.9x | 20.7x | 3.3x | 3.3x | 3.9x | 4.0x | 1.7x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.47% | 9.60% | 9.87% | 10.03% | 10.17% | 10.15% | 10.56% | +69 bps | |
| Total Risk-Based Capital | 16.31% | 16.24% | 16.21% | 16.88% | 16.67% | 16.32% | 16.56% | 16.80% | -8 bps | |
| Equity / Assets | 8.01% | 8.38% | 7.97% | 8.67% | 9.36% | 9.00% | 8.97% | 9.36% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.75% | 68.94% | 62.51% | 65.80% | 73.32% | 68.75% | 67.31% | 70.78% | +498 bps | |
| Liquid Assets / Assets | 8.72% | 7.67% | 8.11% | 9.39% | 7.89% | 7.54% | 8.99% | 8.87% | -53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 270% | 269% | n/a | n/a | |