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Bank Of Central Florida
Lakeland, FL · FDIC Certificate #58479 · Chartered 03/1
Total assets
$1.25B
Total deposits
$1.14B
Total equity
$99.68M
Net loans
$834.11M
Branches (offices)
6
Net income (YTD)
$8.14M
Rank: #868 of 4,213 U.S. banks by assets · #27 of 81 in Florida. Assets changed 3.1% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 16.71% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 7.99% |
| Tier 1 leverage ratio | 8.75% |
| Uninsured deposits (share of deposits) | 30.4% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 73.3% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $658.54M | 79.0% | |
| Commercial & industrial | $136.12M | 16.3% | |
| Consumer / individual | $42.33M | 5.1% | |
| Construction & development | $97.96M | 11.7% | |
| Agricultural | $3.72M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $965.73M | $903.82M | $3.79M | $56.55M |
| Jun 2023 | $1.03B | $949.96M | $4.43M | $73.24M |
| Jun 2024 | $1.09B | $1.00B | $6.10M | $73.97M |
| Jun 2025 | $1.21B | $1.11B | $7.84M | $86.96M |
| Jun 2026 | $1.25B | $1.14B | $8.14M | $99.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.14B | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.14B.
Similar-sized banks
Platte Valley Bank ($1.25B) · University Bank ($1.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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