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Central Bank
Tampa, FL · FDIC Certificate #58377 · Chartered 02/2
Total assets
$386.77M
Total deposits
$325.23M
Total equity
$35.37M
Net loans
$327.54M
Branches (offices)
4
Net income (YTD)
$1.60M
Rank: #2,110 of 4,213 U.S. banks by assets · #50 of 81 in Florida. Assets changed 7.7% and deposits 10.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 9.61% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 9.14% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 34.7% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 100.7% |
| Real estate loans (share of loans) | 97.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $320.73M | 97.9% | |
| Commercial & industrial | $8.55M | 2.6% | |
| Consumer / individual | $725.00K | 0.2% | |
| Construction & development | $24.88M | 7.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $258.66M | $218.74M | $1.41M | $25.12M |
| Jun 2023 | $296.51M | $244.37M | $966.00K | $27.65M |
| Jun 2024 | $308.85M | $247.26M | $608.00K | $28.98M |
| Jun 2025 | $359.20M | $293.76M | $1.07M | $30.40M |
| Jun 2026 | $386.77M | $325.23M | $1.60M | $35.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $296.11M | 3 |
| Georgia | $29.12M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $325.23M.
Similar-sized banks
Bankgloucester ($386.87M) · The Home Loan Savings Bank ($386.72M)
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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