$1.25B
+4.5%y/y
Percentile by value29th percentileby value
FDIC
ASSETBC
Bank of Central Florida
Lakeland, FloridaFDIC Cert #58479
STATEEstablished 20076 branches
Holding company: BANK OF CENTRAL FL HOLDING CORegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of Central Florida reported $1.25B in total assets. Deposits grew 3.79% over the prior year.
Return on assets was 1.30%, compared with an asset-peer median of 1.16%. The leverage ratio was 8.45%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.15B
+3.8%y/y
Percentile by value38th percentileby value
FDIC
DEP$837M
+7.9%y/y
Percentile by value25th percentileby value
FDIC
LNLSNET1.30%
−1 bpsy/y
Peer standing60th percentile
FDIC
NETINC + ROA59.98%
+923 bpsy/y
Peer standing55th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.45%
+38 bpsy/y
Peer standing5th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $882M | $810M |
| Q3 2021 | $887M | $815M |
| Q4 2021 | $963M | $890M |
| Q1 2022 | $1.01B | $945M |
| Q2 2022 | $966M | $904M |
| Q3 2022 | $1.1B | $1.03B |
| Q4 2022 | $961M | $880M |
| Q1 2023 | $1.07B | $992M |
| Q2 2023 | $1.03B | $950M |
| Q3 2023 | $1.09B | $1.01B |
| Q4 2023 | $1.11B | $1.03B |
| Q1 2024 | $1.09B | $1.01B |
| Q2 2024 | $1.09B | $1B |
| Q3 2024 | $1.12B | $1.03B |
| Q4 2024 | $1.15B | $1.06B |
| Q1 2025 | $1.2B | $1.1B |
| Q2 2025 | $1.21B | $1.11B |
| Q3 2025 | $1.24B | $1.14B |
| Q4 2025 | $1.2B | $1.1B |
| Q1 2026 | $1.25B | $1.15B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $164M |
| Investor CRE | $221M |
| Multifamily | $26.1M |
| Construction | $93.7M |
| 1–4 family | $148M |
| C&I | $149M |
| Agriculture | $2.82M |
| Other | $41.6M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.30%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE16.50%82nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.76%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.98%55th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+3.79%44th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+7.90%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.21%74th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ8.45%5th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%85th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC294%79th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.30%70th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.03%Median 1.07%90th 1.75%Observations 83
ROE
FDIC
NETINC + ROE16.50%82nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.33%Median 10.96%90th 21.32%Observations 83
NIM
FDIC
NIM + NIMY3.76%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.60%90th 4.66%Observations 83
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.98%63rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.71%Median 64.78%90th 90.81%Observations 83
Deposits YoY
FDIC
DEP+3.79%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.83%Median +6.78%90th +30.32%Observations 81
Loans YoY
FDIC
LNLSNET+7.90%47th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.35%Median +8.10%90th +42.25%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.21%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.78%Observations 79
Leverage
FDIC
RBC1AAJ8.45%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.50%Median 10.17%90th 18.01%Observations 83
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.78%90th 3.78%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC294%83rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 170%90th 329%Observations 61
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.30%53rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.23%Median 1.28%90th 1.98%Observations 18
ROE
FDIC
NETINC + ROE16.50%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.54%Median 15.85%90th 40.26%Observations 18
NIM
FDIC
NIM + NIMY3.76%65th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.51%90th 4.58%Observations 18
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.98%35th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.97%Median 54.61%90th 93.69%Observations 18
Deposits YoY
FDIC
DEP+3.79%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +2.48%Median +8.81%90th +76.71%Observations 18
Loans YoY
FDIC
LNLSNET+7.90%41st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.02%Median +8.75%90th +64.85%Observations 18
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.21%41st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.19%90th 1.73%Observations 18
Leverage
FDIC
RBC1AAJ8.45%18th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.48%Median 9.62%90th 10.89%Observations 18
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.97%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.99%Median 3.07%90th 3.69%Observations 18
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC294%73rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 140%Median 248%90th 349%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 6 branches
- Headquarters
- Lakeland, FL
FDIC
OFFDOMOpen the Florida dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data