Total Assets
$1.2B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.1B
Customer-funded liabilities
Net Loans
$812M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.29%
Return on Equity (ROE)
17.76%
Efficiency Ratio
52.58%
What the numbers say about Bank of Central Florida
Bank of Central Florida is an FDIC-insured institution (Certificate #58479) headquartered in Lakeland, Florida, established in 2007. It holds $1.2B in total assets - 889th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $812M in net loans. On safety, its Tier 1 capital ratio of 12.34% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Bank of Central Florida ranks 28th of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bank of Central Florida's health grade?▼
Bank of Central Florida receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Central Florida?▼
Bank of Central Florida holds $1.2B in total assets and $1.1B in deposits, ranking 889th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lakeland, Florida.
Is my money safe at Bank of Central Florida?▼
Yes, deposits at Bank of Central Florida (Certificate #58479) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Central Florida's Tier 1 Capital Ratio?▼
Bank of Central Florida has a Tier 1 Capital Ratio of 12.34%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Central Florida?▼
Bank of Central Florida has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Central Florida?▼
Bank of Central Florida has an Efficiency Ratio of 52.58%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Central Florida's profile as a depositor or analyst.
- Bank of Central Florida's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Central Florida against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.