Tampa, FL · Cert 58377 · Central Financial Holdings Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.1% share · #38 of 60 inst. · $0.2B of $131.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.61% | 0.70% | 0.72% | 0.84% | +23 bps | |
| Return on Equity | 7.19% | 7.14% | 8.25% | 8.37% | 9.61% | +242 bps | |
| Net Interest Margin | 3.15% | 3.13% | 3.16% | 3.32% | 3.31% | +16 bps | |
| Efficiency Ratio | 72.89% | 73.43% | 71.35% | 68.28% | 63.74% | -914 bps | |
| Non-Interest Burden | 2.24% | 2.26% | 2.22% | 2.25% | 2.09% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.30% | 10.24% | 7.37% | 10.58% | 7.68% | -862 bps | |
| Loan Growth (YoY) | 15.56% | 12.07% | 6.43% | 9.99% | 9.56% | -600 bps | |
| Deposit Growth (YoY) | 18.81% | 12.09% | 8.03% | 12.62% | 10.71% | -809 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.37% | 0.32% | 0.04% | -23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.03% | 0.09% | 0.13% | +11 bps | |
| Allowance / Loans | 0.76% | 0.75% | 0.77% | 0.76% | 0.75% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.9x | 2.1x | 2.4x | 20.4x | +17.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.61% | 8.58% | 8.67% | 8.66% | 9.11% | +50 bps | |
| Total Risk-Based Capital | 11.15% | 11.87% | 11.69% | 11.12% | 9.11% | -204 bps | |
| Equity / Assets | 8.46% | 8.59% | 8.71% | 8.38% | 9.14% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.54% | 104.64% | 104.36% | 101.91% | 101.47% | -107 bps | |
| Liquid Assets / Assets | 4.86% | 4.61% | 3.76% | 5.70% | 3.76% | -111 bps | |
| CRE / Total Capital | n/a | 589% | 582% | 600% | n/a | n/a | |