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Century Bank of Florida

$100M-$1B Specialty: Commercial FL FDIC cert 35558

Tampa, FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
  • Deposits -0.8% year over year ($87.0M on the books).
  • Delinquency rate 1.01%.
  • Return on assets 0.50%.
  • Efficiency ratio 88.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL
View $100M-$1B leaderboard (FL) →

Century Bank of Florida has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 64.0% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.8% in tier
  • - Flatlined Growth: Bottom 13.6% in tier
  • - Efficiency Drag: Bottom 40.4% in tier
  • - ROA 0.83% below tier average
  • - Delinquency Rate 0.09% above tier average
Get updates when Century Bank of Florida releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $101.1M
+1.0% YoY -2.4% QoQ
-$285.5M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
Bottom 0.3% in tier
Total Loans ? $60.6M
+6.8% YoY +1.9% QoQ
-$197.8M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Bottom 4.8% in tier
Total Deposits ? $87.0M
-0.8% YoY -3.1% QoQ
-$239.7M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
Bottom 1.8% in tier
Return on Assets ? 0.50%
-11.3% YoY +10.5% QoQ
-0.83% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Bottom 12.2% in tier
Net Interest Margin ? 4.44%
+2.6% YoY +2.1% QoQ
+0.45% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 88.46%
+1.9% YoY -1.0% QoQ
+23.98% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 6.7% in tier
Delinquency Rate ? 1.01%
+88.9% YoY +137.2% QoQ
+0.09% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 69.63%
+7.7% YoY +5.2% QoQ
-8.33% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 37.86%
-9.3% YoY +0.6% QoQ
+15.83% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 6.5% in tier
Nonperforming Asset Ratio ? 0.60%
+99.6% YoY +147.7% QoQ
-0.07% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 15.55%
-0.5% YoY +1.6% QoQ
-0.36% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.15%
-3.6% YoY +107.8% QoQ
-0.42% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 37.9%
-3.9pp YoY
+0.2pp QoQ
 +15.7pp 22.1% 27.7% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 15.5%
-0.6pp YoY
-0.4pp QoQ
 +4.0pp 11.6% 12.9% 12.5% 78%
CRE n/a n/a 39.5% 50.6% 41.4% n/a
1-4 Family 30.7%
-5.3pp YoY
+0.2pp QoQ
 -1.9pp 32.6% 30.7% 31.3% 53%
Consumer 8.2%
+1.3pp YoY
-0.1pp QoQ
 +4.0pp 4.1% 3.7% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 15.6%
-0.1pp YoY
+0.2pp QoQ
 -3.3pp 18.8% 19.8% 19.7% 55%
Leverage Ratio 10.6%
+0.7pp YoY
+0.4pp QoQ
 -1.6pp 12.2% 13.9% 12.6% 42%
Total Capital Ratio 16.8%
-0.1pp YoY
+0.2pp QoQ
 -3.1pp 19.9% 21.1% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
0 QoQ
 -42 58 295 482 7%
Assets per Employee ($) $5.9M
+1.0% YoY
-2.4% QoQ
 -$1.6M $7.5M $10.3M $8.8M 32%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.2pp YoY
+0.6pp QoQ
 +0.3pp 0.3% 0.3% 0.4% 86%
Nonaccrual 0.4%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 43%
Allowance Coverage 1.65x
-49.7% YoY
-58.6% QoQ
 -22.50x 24.15x 16.62x 20.23x 42%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 5.5%
-1.3pp YoY
+0.5pp QoQ
 -6.7pp 12.2% 9.3% 11.6% 15%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 23%
Net Income ($, YTD) $256,000
-9.9% YoY
— QoQ
 -$2.3M $2.6M $25.2M $40.4M 6%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#179 of 278 • Top 64.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.86%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.44%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Deposit Outflow

decline
#59 of 535 • Bottom 10.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#73 of 529 • Bottom 13.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.50%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#147 of 361 • Bottom 40.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.46%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

172
Non-Interest-Bearing Deposit Share
funding
Value: 37.86%
Peer Median: 22.03%
#172 of 2643 Top 6.5% in $100M-$1B
616
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.99%
#616 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (5 metrics)

2637
Total Assets
size
Value: $101.10M
Peer Median: $386.57M
#2637 of 2643 Bottom 0.3% in $100M-$1B
2597
Total Deposits
size
Value: $86.98M
Peer Median: $326.73M
#2597 of 2643 Bottom 1.8% in $100M-$1B
2518
Total Loans
size
Value: $60.56M
Peer Median: $258.35M
#2518 of 2643 Bottom 4.8% in $100M-$1B
2468
Efficiency Ratio
profitability
Value: 88.46%
Peer Median: 64.48%
#2468 of 2643 Bottom 6.7% in $100M-$1B
2322
Return on Assets
profitability
Value: 0.50%
Peer Median: 1.32%
#2322 of 2643 Bottom 12.2% in $100M-$1B
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