$846M
+8.0%y/y
Percentile by value24th percentileby value
FDIC
LNLSGRBC
Bank of Central Florida
Lakeland, FloridaFDIC Cert #58479
STATEEstablished 20076 branches
Holding company: BANK OF CENTRAL FL HOLDING CORegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$837M
+7.9%y/y
Percentile by value25th percentileby value
FDIC
LNLSNET+7.90%
+63.2%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET73.1%
+4.0%y/y
Percentile by value22nd percentileby value
FDIC
LNLSNET + DEP66.9%
+3.2%y/y
Percentile by value32nd percentileby value
FDIC
LNLSNET + ASSET79.43%
+0.2%y/y
Percentile by value34th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
294%
+5.1%y/y
Percentile by value79th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC81%
+49.4%y/y
Percentile by value79th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,811points
−3.8%y/y
Peer standing69th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD19.42%
−11.4%y/y
Percentile by value84th percentileby value
FDIC
LNRENROW + LNLSGR26.10%
+0.5%y/y
Percentile by value73rd percentileby value
FDIC
LNRENROT + LNLSGR17.58%
−3.8%y/y
Percentile by value79th percentileby value
FDIC
LNCI + LNLSGR