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
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.
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.
Capital
31
Asset Quality
86
Profitability
65
Liquidity
45
Efficiency
61
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.
Lakeland, FL · Cert 58479 · Bank of Central FL Holding Co.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Lakeland-Winter Haven, FL · 2026 SOD (annual) · 6.2% share · #6 of 16 inst. · $1.0B of $16.5B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.12% | 1.31% | 1.32% | 1.31% | 1.29% | 1.30% | 1.32% | 0 bps | |
| Return on Equity | 16.60% | 16.69% | 18.99% | 18.93% | 18.53% | 17.76% | 16.50% | 16.71% | -222 bps | |
| Net Interest Margin | 3.28% | 3.22% | 3.58% | 3.51% | 3.47% | 3.47% | 3.51% | 3.49% | -1 bps | |
| Efficiency Ratio | 56.98% | 57.95% | 50.75% | 53.50% | 52.79% | 52.58% | 59.98% | 56.37% | +287 bps | |
| Non-Interest Burden | 1.76% | 1.78% | 1.73% | 1.79% | 1.75% | 1.74% | 2.03% | 1.89% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 3.93% | 10.09% | 11.29% | 11.26% | 4.31% | 4.53% | 3.14% | -815 bps | |
| Loan Growth (YoY) | 11.77% | 4.55% | 4.91% | 2.74% | 4.17% | 8.92% | 7.96% | 8.29% | +555 bps | |
| Deposit Growth (YoY) | 1.99% | 3.34% | 9.50% | 10.91% | 11.14% | 3.02% | 3.79% | 2.25% | -866 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.21% | 0.21% | +21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.01% | 0.04% | 0.03% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.95% | 0.98% | 1.00% | 1.00% | 0.99% | 1.04% | 1.05% | 1.06% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 261.6x | 288.9x | n/a | n/a | 5.0x | 5.0x | -284.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.26% | 8.17% | 8.08% | 8.27% | 8.35% | 8.57% | 8.45% | 8.75% | +48 bps | |
| Total Risk-Based Capital | 12.61% | 13.17% | 12.02% | 13.10% | 13.16% | 13.35% | 13.05% | 13.55% | +45 bps | |
| Equity / Assets | 7.19% | 6.84% | 6.91% | 7.19% | 7.40% | 8.04% | 7.67% | 7.99% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.38% | 70.89% | 70.99% | 69.96% | 69.72% | 74.95% | 73.84% | 74.09% | +413 bps | |
| Liquid Assets / Assets | 9.76% | 13.19% | 13.52% | 14.71% | 12.65% | 8.33% | 10.14% | 10.54% | -417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 471% | 468% | 473% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.93% | 1.23% | 1.54% | Beats 58% | 109 / 258 | ||
| Return on Equity | 16.34% | 9.26% | 11.84% | 14.74% | Beats 85% | 39 / 258 | ||
| Net Interest Margin | 3.49% | 3.16% | 3.49% | 3.88% | Beats 51% | 127 / 258 | ||
| Efficiency Ratio | 56.37% | 51.71% | 60.30% | 69.65% | Beats 61% | 102 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.46% | 0.90% | Beats 72% | 73 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.53% | 11.41% | 12.98% | 15.12% | Beats 41% | 152 / 258 | ||
| Total Risk-Based Capital Ratio | 13.55% | 12.10% | 13.91% | 16.08% | Beats 44% | 144 / 258 | ||
| Equity / Assets | 7.99% | 9.09% | 10.24% | 11.72% | Beats 9% | 236 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.09% | 73.24% | 86.34% | 95.95% | 26th pctl | 190 / 258 | ||
| Loans / Assets | 67.58% | 63.01% | 72.27% | 78.40% | 33rd pctl | 172 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||