BlastPoint's Banking Scorecard
Central Bank
Designations: ✓ Minority Depository Institution
Tampa, FL
4 branches across FL · GA
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 +10.7% year over year ($325.2M on the books).
- Delinquency rate 0.04%.
- Return on assets 0.84%.
- Efficiency ratio 63.74% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Central Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.73% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.76% above tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$386.8M
+7.7% YoY
-0.8% QoQ
|
+$200K |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$327.5M
+9.6% YoY
+1.4% QoQ
|
+$69.2M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$325.2M
+10.7% YoY
+1.8% QoQ
|
-$1.5M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
0.84%
+37.8% YoY
+17.5% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.54%
+6.4% YoY
+2.3% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
63.74%
-12.5% YoY
-6.6% QoQ
|
-0.73% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.04%
-86.3% YoY
-88.4% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
100.71%
-1.0% YoY
-0.4% QoQ
|
+22.76% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.56%
+5.9% YoY
+0.1% QoQ
|
-8.47% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.03%
-86.1% YoY
-88.1% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
9.11%
-12.0% YoY
-11.7% QoQ
|
-6.80% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.7% in tier |
| Non-Interest Income / Assets ? |
0.02%
-75.7% YoY
+82.2% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.6%
+0.8pp YoY 0.0pp QoQ |
-8.6pp | 22.1% | 27.7% | 22.2% | 19% |
| Brokered Deposits |
1.7%
-3.5pp YoY -2.2pp QoQ |
-6.2pp | 7.9% | 8.7% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.6%
-0.9pp YoY -0.2pp QoQ |
-8.9pp | 11.6% | 12.9% | 12.5% | 9% |
| CRE |
64.0%
+5.7pp YoY +3.2pp QoQ |
+24.4pp | 39.5% | 50.6% | 41.4% | 88% |
| 1-4 Family |
33.9%
-4.5pp YoY -3.0pp QoQ |
+1.3pp | 32.6% | 30.7% | 31.3% | 59% |
| Consumer |
0.2%
-0.3pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 3.7% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.8% | 19.7% | n/a |
| Leverage Ratio |
9.1%
+0.5pp YoY +0.5pp QoQ |
-3.1pp | 12.2% | 13.9% | 12.6% | 14% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
46
+1 (+2.2%) YoY +5 (+12.2%) QoQ |
-13 | 58 | 295 | 482 | 48% |
| Assets per Employee ($) |
$8.4M
+5.3% YoY -11.5% QoQ |
+$890K | $7.5M | $10.3M | $8.8M | 73% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 13 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.3% | 0.4% | 34% |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
20.39x
+620.0% YoY +742.5% QoQ |
-3.76x | 24.15x | 16.62x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
+2.4pp YoY +1.2pp QoQ |
-2.6pp | 12.2% | 9.3% | 11.6% | 34% |
| Cost of Funds (YTD) |
2.9%
0.0pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$1.6M
+49.6% YoY — QoQ |
-$951K | $2.6M | $25.2M | $40.4M | 44% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.