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 (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 | 0.35% | 0.37% | 0.55% | 0.67% | 0.60% | 0.99% | 0.72% | 0.95% | +29 bps | |
| Return on Equity | 3.84% | 4.24% | 6.49% | 7.87% | 7.04% | 11.44% | 8.37% | 10.89% | +302 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.17% | 3.18% | 3.22% | 3.45% | 3.32% | 3.41% | +23 bps | |
| Efficiency Ratio | 79.89% | 82.26% | 74.15% | 71.67% | 74.51% | 65.85% | 68.28% | 59.46% | -1,221 bps | |
| Non-Interest Burden | 2.39% | 2.52% | 2.31% | 2.21% | 2.39% | 2.21% | 2.25% | 2.01% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.49% | 15.19% | 12.56% | 16.30% | 10.24% | 7.37% | 10.58% | 7.68% | -862 bps | |
| Loan Growth (YoY) | 14.30% | 17.35% | 16.69% | 15.56% | 12.07% | 6.43% | 9.99% | 9.56% | -600 bps | |
| Deposit Growth (YoY) | 3.19% | 18.56% | 10.33% | 18.81% | 12.09% | 8.03% | 12.62% | 10.71% | -809 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.43% | 0.42% | 0.27% | 0.26% | 0.37% | 0.32% | 0.04% | -23 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.14% | 0.01% | 0.04% | 0.04% | 0.02% | 0.09% | 0.17% | +13 bps | |
| Allowance / Loans | 0.78% | 0.74% | 0.76% | 0.76% | 0.75% | 0.77% | 0.76% | 0.75% | -1 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.8x | 2.8x | 2.9x | 2.1x | 2.4x | 20.4x | +17.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.13% | 8.79% | 8.58% | 8.61% | 8.58% | 8.67% | 8.66% | 9.11% | +50 bps | |
| Total Risk-Based Capital | 9.13% | 8.79% | 8.58% | 11.15% | 11.87% | 11.69% | 11.12% | 9.11% | -204 bps | |
| Equity / Assets | 8.98% | 8.49% | 8.48% | 8.46% | 8.59% | 8.71% | 8.38% | 9.14% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.66% | 105.93% | 104.35% | 102.54% | 104.64% | 104.36% | 101.91% | 101.47% | -107 bps | |
| Liquid Assets / Assets | 4.48% | 3.87% | 5.89% | 4.86% | 4.61% | 3.76% | 5.70% | 3.76% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 589% | 582% | 600% | n/a | n/a | |