BlastPoint

BlastPoint's Banking Scorecard

Central Bank

$100M-$1B Specialty: Commercial FL FDIC cert 58377

Designations: ✓ Minority Depository Institution

Tampa, FL

4 branches across FL · GA

2664 banks in the $100M-$1B peer group nationally 43 in FL
View $100M-$1B leaderboard (FL) →

Central Bank 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

  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 24.49% above tier average
  • - Non-Interest Income / Assets 0.27% below tier average
  • - ROA 0.55% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Efficiency Ratio 2.99% above tier average
Get updates when Central Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $389.7M
+10.6% YoY +5.7% QoQ
+$3.6M $386.1M
+0.5% YoY
$4.3B
+10.8% YoY
$6.2B
+9.1% YoY
60%
Total Loans ? $323.1M
+10.0% YoY +3.6% QoQ
+$67.4M $255.7M
+1.1% YoY
$3.0B
+12.4% YoY
$3.2B
+10.8% YoY
71%
Total Deposits ? $319.5M
+12.6% YoY +6.1% QoQ
-$8.5M $328.0M
+0.1% YoY
$3.6B
+11.7% YoY
$4.8B
+8.2% YoY
58%
Return on Assets ? 0.72%
+29.9% YoY +1.5% QoQ
-0.55% 1.27%
+12.9% YoY
0.83%
+61.5% YoY
1.23%
+13.4% YoY
22%
Net Interest Margin ? 3.46%
+3.7% YoY +1.1% QoQ
-0.47% 3.93%
+6.0% YoY
3.75%
+4.2% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 68.28%
-7.9% YoY -4.3% QoQ
+2.99% 65.29%
-4.5% YoY
71.93%
-25.2% YoY
66.95%
-4.1% YoY
36%
Delinquency Rate ? 0.32%
-24.9% YoY -13.9% QoQ
-0.57% 0.89%
+18.8% YoY
0.63%
-5.7% YoY
0.95%
+18.8% YoY
56%
Loan-to-Deposit Ratio ? 101.13%
-2.3% YoY -2.3% QoQ
+24.49% 76.64%
+0.8% YoY
73.79%
+1.2% YoY
76.70%
+0.9% YoY
Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ? 13.55%
+7.6% YoY +15.4% QoQ
-8.47% 22.02%
-1.0% YoY
27.22%
-2.5% YoY
22.01%
-1.2% YoY
19%
Nonperforming Asset Ratio ? 0.26%
-25.3% YoY -15.6% QoQ
-0.37% 0.64%
+19.7% YoY
0.43%
-5.1% YoY
0.67%
+19.3% YoY
53%
Tier 1 Capital Ratio ? 10.32%
+20.3% YoY -4.9% QoQ
-5.51% 15.83%
+1.5% YoY
16.64%
-24.7% YoY
17.06%
+0.8% YoY
Bottom 14.0% in tier
Non-Interest Income / Assets ? 0.01%
-68.0% YoY -91.3% QoQ
-0.27% 0.28%
+9.3% YoY
0.50%
+7.6% YoY
0.32%
+4.1% YoY
Bottom 2.1% in tier

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2610
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.28%
#2610 of 2664 Bottom 2.1% in $100M-$1B
2465
Loan-to-Deposit Ratio
liquidity
Value: 101.13%
Peer Median: 76.64%
#2465 of 2664 Bottom 7.5% in $100M-$1B
2293
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.83%
#2293 of 2664 Bottom 14.0% in $100M-$1B
2158
Non-Interest-Bearing Deposit Share
funding
Value: 13.55%
Peer Median: 22.02%
#2158 of 2664 Bottom 19.0% in $100M-$1B
2091
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.27%
#2091 of 2664 Bottom 21.5% in $100M-$1B
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