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Bank of Central Florida

$1B-$10B Specialty: Commercial FL FDIC cert 58479

Designations: ✓ Community bank

Lakeland, FL

6 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits +2.3% year over year ($1.1B on the books).
  • Delinquency rate 0.22%.
  • Return on assets 1.32%.
  • Efficiency ratio 56.37% vs a 59.73% peer average.
  • Loan-to-deposit ratio 73.30% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

Bank of Central Florida has 2 strengths but faces 4 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

  • + Credit Quality Leader: Top 0.1% in tier
  • + Efficiency Ratio 3.36% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 46.0% in tier
  • - Non-Interest Income / Assets 0.44% below tier average
  • - ROA 0.07% below tier average
  • - Net Interest Margin 0.13% below tier average
Get updates when Bank of Central 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 ? $1.2B
+3.1% YoY -0.3% QoQ
-$1.5B $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $834.1M
+8.2% YoY -0.4% QoQ
-$1.1B $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $1.1B
+2.3% YoY -0.7% QoQ
-$1.2B $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.32%
-0.1% YoY +1.8% QoQ
-0.07% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.74%
+0.2% YoY -0.6% QoQ
-0.13% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 56.37%
+5.4% YoY -6.0% QoQ
-3.36% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.22%
+0.4% QoQ
-0.65% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 73.30%
+5.8% YoY +0.3% QoQ
-11.73% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 28.84%
-5.3% YoY +0.1% QoQ
+7.56% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.14%
+0.3% QoQ
-0.53% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 12.53%
+3.2% YoY +4.1% QoQ
-2.31% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.09%
+0.6% YoY +103.3% QoQ
-0.44% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 8.5% in tier

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 28.8%
-1.6pp YoY
0.0pp QoQ
 +7.5pp 21.4% 27.7% 22.2% 82%
Brokered Deposits 22.3%
+1.1pp YoY
-0.8pp QoQ
 +12.9pp 9.5% 8.7% 8.5% 90%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 16.3%
-1.5pp YoY
-1.5pp QoQ
 +2.3pp 14.0% 12.9% 12.5% 71%
CRE 61.3%
+0.9pp YoY
+1.0pp QoQ
 +11.2pp 50.0% 50.6% 41.4% 77%
1-4 Family 17.7%
-0.2pp YoY
0.0pp QoQ
 -8.7pp 26.4% 30.7% 31.3% 37%
Consumer 5.1%
+0.7pp YoY
+0.4pp QoQ
 +0.4pp 4.7% 3.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 12.5%
+0.4pp YoY
+0.5pp QoQ
 -3.1pp 15.6% 19.8% 19.7% 33%
Leverage Ratio 8.7%
+0.5pp YoY
+0.3pp QoQ
 -2.6pp 11.3% 13.9% 12.6% 7%
Total Capital Ratio 13.5%
+0.4pp YoY
+0.5pp QoQ
 -3.1pp 16.7% 21.1% 20.8% 31%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 103
-2 (-1.9%) YoY
-5 (-4.6%) QoQ
 -211 313 295 482 8%
Assets per Employee ($) $12.1M
+5.1% YoY
+4.5% QoQ
 +$1.6M $10.5M $10.3M $8.8M 79%
Branch Count 6
0 YoY
0 QoQ
 -14 20 13 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.7% 1.0% 22%
Allowance Coverage 4.96x
-98.3% YoY
+0.1% QoQ
 -13.75x 18.71x 16.62x 20.23x 78%
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 16.7%
-2.2pp YoY
+0.2pp QoQ
 +4.1pp 12.6% 9.3% 11.6% 81%
Cost of Funds (YTD) 1.4%
0.0pp YoY
+0.1pp QoQ
 -0.5pp 1.9% 1.8% 1.7% 18%
Net Income ($, YTD) $8.1M
+3.9% YoY
— QoQ
 -$11.1M $19.2M $25.2M $40.4M 30%

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)

Credit Quality Leader

growth
#1 of 221 • Top 0.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (1)

Credit Risk Growth

risk
#186 of 402 • Bottom 46.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

158
Non-Interest-Bearing Deposit Share
funding
Value: 28.84%
Peer Median: 21.27%
#158 of 885 Top 17.7% in $1B-$10B
182
Nonperforming Asset Ratio
credit_quality
Value: 0.14%
Peer Median: 0.67%
#182 of 885 Top 20.5% in $1B-$10B
184
Loan-to-Deposit Ratio
liquidity
Value: 73.30%
Peer Median: 85.04%
#184 of 885 Top 20.7% in $1B-$10B
202
Delinquency Rate
credit_quality
Value: 0.22%
Peer Median: 0.87%
#202 of 882 Top 22.8% in $1B-$10B

Top Weaknesses (3 metrics)

811
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.53%
#811 of 885 Bottom 8.5% in $1B-$10B
738
Total Loans
size
Value: $834.11M
Peer Median: $1.96B
#738 of 885 Bottom 16.7% in $1B-$10B
709
Total Assets
size
Value: $1.25B
Peer Median: $2.79B
#709 of 885 Bottom 20.0% in $1B-$10B
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