BlastPoint's Banking Scorecard
Bank of Central Florida
Designations: ✓ Community bank
Lakeland, FL
6 branches across FL
Bank of Central Florida has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.1% in tier
- + Efficiency Ratio 1.08% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46.2% in tier
- - Cost Spiral: Bottom 48.4% in tier
- - Non-Interest Income / Assets 0.21% below tier average
- - ROA 0.07% below tier average
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.5% YoY
+4.0% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$837.0M
+7.9% YoY
+3.0% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$1.1B
+3.8% YoY
+4.6% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.30%
-0.7% YoY
+0.3% QoQ
|
-0.07% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.76%
-0.6% YoY
+1.0% QoQ
|
-0.06% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
59.98%
+18.2% YoY
+14.1% QoQ
|
-1.08% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? | 0.22% | -0.67% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
73.06%
+4.0% YoY
-1.5% QoQ
|
-11.15% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
28.81%
-11.3% YoY
-3.0% QoQ
|
+7.52% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.14% | -0.53% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.04%
+8.3% YoY
-2.5% QoQ
|
-3.12% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.04%
-1.5% YoY
-75.3% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.3% in tier |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.