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
Unfavorable gap of $24.0M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |