FDIC Cert #58479 · Lakeland, Florida · Est. 2007

Bank of Central Florida - FDIC Bank Health Profile

A community-scale look at Bank of Central Florida's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.2B
Total assets
A
Health grade · Excellent
1.29%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Central Florida earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.34% Tier 1, profitable at 1.29% ROA, efficient (53% cost ratio).

#889
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
12.34%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 58479 · FL A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1210/4307
  • PHOTO-FINISH Gold Coast Bank · IL
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.29% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Gold Coast Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Central Florida

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Central Flor… · FL ·…87/100FVCbank · VA · near87/100Gold Coast Bank · IL · near87/100Stellar Bank · TX · near87/100Third Coast Bank · TX · near87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Central Florida · July 2026

Call Report read for Bank of Central Florida in a high-failure state

Bank of Central Florida (FDIC Cert #58479) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,210 of 4,307. Tier 1 capital prints at 12.34%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.29%. Balance-sheet scale is $1.2B, 889th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gold Coast Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Central Florida

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Bank of Central Florida sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Bank of Central Florida's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Bank of Central Florida's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
Bank of Central Florida's composite health score
Tier 1 Capital Ratio (12.34%) 35/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.58%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$812M

Outstanding loan book

Net Income

$16M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.94% 12.34% 13.74%
Basel III capital ratios - Bank of Central Florida

Where Bank of Central Florida ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Central Florida's score of 87/100 falls in the highlighted band.

Bank of Central Florida: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 28% higher than 72% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Central Florida 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Central Florida's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Central Florida's $1.2B falls in the highlighted band.

Capital & credit buffers at Bank of Central Florida

Tier 1 capital ratio
Well-capitalized 10%

12.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.34%
Texas Ratio
0.00%
Equity Capital
$97M

What these ratios mean →

Earnings posture at Bank of Central Florida

Return on Assets (ROA)
64th percentile nationally
1.29%
Return on Equity (ROE)
17.76%
Efficiency Ratio
52.58%

What these mean →

Income & expense at Bank of Central Florida

$60M
Interest Income
$2M
Non-Interest Income
$24M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Central Florida reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Central Florida on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside Florida so the neighborhood is not state containment.

First Bank of Alabama $1.2B · AL BankFirst $1.2B · NE Northwest Community Bank $1.2B · CT Citizens State Bank $1.2B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Central Florida (FDIC Cert #58479) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Central Florida Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%