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Bank of Central Florida

Lakeland, FL · Cert 58479 · Bank of Central FL Holding Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

86

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Central Florida

Lakeland, FL · Cert 58479 · Bank of Central FL Holding Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.2BAssets
$843.0MLoans
$1.1BDeposits
$99.7MEquity
Loan mix
78%RE $652.7M18%C&I $148.8M5%Consumer $39.3MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $809.8M29%Noninterest $328.1MQ2 2025Q2 2026

NIM

4.84%Q2 ’244.87%Q2 ’254.82%Q2 ’26+9%0%

Non-interest income vs. expense

1.98%Q2 ’241.97%Q2 ’252.07%Q2 ’26+4%+6%

Market Position · Lakeland-Winter Haven, FL · 2026 SOD (annual) · 6.2% share · #6 of 16 inst. · $1.0B of $16.5B

6.2% Polk
0.3% Hillsborough

Executive Summary

  • Earnings: ROA of 1.32%, unchanged from a year ago; NIM at 3.49%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.75%, up 48 bps from a year ago.
  • Funding: loans stand at 74.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%0 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-1 bps YoY

Efficiency Ratio (YTD, annualized)

56.37%+287 bps YoY

Tier 1 Leverage Ratio

8.75%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.31%1.29%1.30%1.32%0 bps
Return on Equity18.93%18.53%17.76%16.50%16.71%-222 bps
Net Interest Margin3.51%3.47%3.47%3.51%3.49%-1 bps
Efficiency Ratio53.50%52.79%52.58%59.98%56.37%+287 bps
Non-Interest Burden1.79%1.75%1.74%2.03%1.89%+10 bps
Growth
Asset Growth (YoY)11.29%11.26%4.31%4.53%3.14%-815 bps
Loan Growth (YoY)2.74%4.17%8.92%7.96%8.29%+555 bps
Deposit Growth (YoY)10.91%11.14%3.02%3.79%2.25%-866 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.21%0.21%+21 bps
Net Charge-Offs / Loans0.01%0.04%0.03%0.00%0.00%-1 bps
Allowance / Loans1.00%0.99%1.04%1.05%1.06%+6 bps
Allowance Coverage of NPLs288.9xn/an/a5.0x5.0x-284.0x
Capital
Tier 1 Leverage Ratio8.27%8.35%8.57%8.45%8.75%+48 bps
Total Risk-Based Capital13.10%13.16%13.35%13.05%13.55%+45 bps
Equity / Assets7.19%7.40%8.04%7.67%7.99%+80 bps
Liquidity & Funding
Loans / Deposits69.96%69.72%74.95%73.84%74.09%+413 bps
Liquid Assets / Assets14.71%12.65%8.33%10.14%10.54%-417 bps
CRE / Total Capitaln/a471%468%473%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Central Florida

Lakeland, FL · Cert 58479 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bank of Central FL Holding Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.2BAssets
$843.0MLoans
$1.1BDeposits
$99.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
  • Widest gap: equity / assets trails 91% of banks $1B-$10B in assets operating in a single state (rank 236 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.31%

Rank 109 of 258

Net Interest Margin

3.49%

Rank 127 of 258

Efficiency Ratio

56.37%

Rank 102 of 257

Equity / Assets

7.99%

Rank 236 of 258

Non-interest income vs. expense

$2.3M$26.2MINCOMEEXPENSE
Unfavorable gap of $24.0M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state
Bank 56.37%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.93%1.23%1.54%Beats 58%109 / 258
Return on Equity16.34%9.26%11.84%14.74%Beats 85%39 / 258
Net Interest Margin3.49%3.16%3.49%3.88%Beats 51%127 / 258
Efficiency Ratio56.37%51.71%60.30%69.65%Beats 61%102 / 257
Asset Quality
Nonperforming Loans / Loans0.21%0.19%0.46%0.90%Beats 72%73 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 100%15 / 258
Capital
Tier 1 Capital Ratio12.53%11.41%12.98%15.12%Beats 41%152 / 258
Total Risk-Based Capital Ratio13.55%12.10%13.91%16.08%Beats 44%144 / 258
Equity / Assets7.99%9.09%10.24%11.72%Beats 9%236 / 258
Liquidity & Funding
Loans / Deposits74.09%73.24%86.34%95.95%26th pctl190 / 258
Loans / Assets67.58%63.01%72.27%78.40%33rd pctl172 / 258
Brokered Deposits / Depositsn/aNot reported for this institution