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 | |