BlastPoint's Banking Scorecard
Century Bank of Florida
Tampa, FL
Century Bank of Florida has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 68.4% in tier
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1.8% in tier
- - Credit Risk Growth: Bottom 25.5% in tier
- - Efficiency Drag: Bottom 42.8% in tier
- - Credit Quality Pressure: Bottom 44.0% in tier
- - ROA 0.82% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.6M
-1.6% YoY
-1.1% QoQ
|
-$282.5M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.3% in tier |
| Total Loans ? |
$59.4M
+3.6% YoY
-3.1% QoQ
|
-$196.3M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.8% in tier |
| Total Deposits ? |
$89.8M
-3.8% YoY
-1.0% QoQ
|
-$238.2M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.6% in tier |
| Return on Assets ? |
0.45%
-11.7% YoY
-38.2% QoQ
|
-0.82% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.0% in tier |
| Net Interest Margin ? |
4.35%
+2.4% YoY
-3.7% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
89.36%
+1.8% YoY
+7.0% QoQ
|
+24.08% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate ? |
0.42%
+396.2% YoY
+0.0% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
66.19%
+7.8% YoY
-2.1% QoQ
|
-10.45% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
37.64%
+3.3% YoY
-2.0% QoQ
|
+15.62% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 6.9% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+422.8% YoY
-2.0% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
15.31%
+2.3% YoY
+1.6% QoQ
|
-0.52% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.07%
-2.4% YoY
-76.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
32% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.