Central Bank
Tampa, FL · Cert 58377 · Peer group: banks under $1B in assets (n=581-629) · Central Financial Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$386.8MAssets
$330.0MLoans
$325.2MDeposits
$35.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets (rank 102 of 581).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets (rank 614 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.83%
Rank 403 of 629
Net Interest Margin
3.31%
Rank 392 of 629
Efficiency Ratio
63.74%
Rank 243 of 629
Equity / Assets
9.14%
Rank 466 of 629
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 62% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 403 / 629 | | |
| Return on Equity | 9.07% | 5.38% | 9.30% | 13.28% | Beats 48% | 330 / 629 | | |
| Net Interest Margin | 3.31% | 3.03% | 3.54% | 4.05% | Beats 38% | 392 / 629 | | |
| Efficiency Ratio | 63.74% | 58.35% | 67.79% | 79.08% | Beats 62% | 243 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 83% | 102 / 581 | | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 25% | 437 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.11% | 11.24% | 13.84% | 18.77% | Beats 2% | 614 / 629 | | |
| Total Risk-Based Capital Ratio | 9.11% | 11.58% | 14.43% | 19.66% | Beats 2% | 614 / 629 | | |
| Equity / Assets | 9.14% | 9.09% | 10.65% | 13.80% | Beats 26% | 466 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.47% | 67.24% | 80.90% | 93.48% | 88th pctl | 72 / 594 | | |
| Loans / Assets | 85.32% | 53.31% | 67.71% | 78.15% | 93rd pctl | 47 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |