FDIC Cert #35558 · Tampa, Florida · Est. 2000

Century Bank of Florida - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$105M
Total assets
B
Health grade · Good
0.73%
Return on assets
15.1%
Tier 1 capital

Data updated July 2026

The verdict

Century Bank of Florida earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.07% Tier 1, 0.73% ROA, 84% efficiency ratio.

#3,703
largest of 4,313 FDIC banks by assets
14th
percentile by asset size, nationally
15.07%
Tier 1 ratio - above the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35558 · FL B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2661/4307
  • PHOTO-FINISH United Trust Bank · IL
  • TIER1-WELL 15.1% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-THIN 0.73% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: United Trust 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 Century Bank of Florida

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

Morgan Stanley Bank,… · UT ·…100/100Buckeye Community Bank · OH …74/100Century Bank of Flor… · FL ·…74/100Pacific Coast Banker… · CA ·…74/100Texas National Bank · TX · n…74/100United Trust Bank · IL · near74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Century Bank of Florida · July 2026

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

Century Bank of Florida (FDIC Cert #35558) carries a PlainBankData health grade of B at 74/100, 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 #2,661 of 4,307. Tier 1 capital prints at 15.07%, clearing the 10% well-capitalized line. The Texas Ratio is 2.49%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.73%. Balance-sheet scale is $105M, 3,703rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Trust 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 Century Bank of Florida

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

Century Bank of 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 Century Bank of 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 Century Bank of Florida's 74/100 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 avg77/10074/100
Century Bank of Florida's composite health score
Tier 1 Capital Ratio (15.07%) 40/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (2.49%) 20/20
Efficiency Ratio (83.52%) 0/15

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

Balance sheet at a glance

Total Assets

$105M

Total balance-sheet footings

Total Deposits

$91M

Customer-funded liabilities

Net Loans

$61M

Outstanding loan book

Net Income

$736K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.67% 15.07% 16.47%
Basel III capital ratios - Century Bank of Florida

Where Century Bank of Florida ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Century Bank of Florida's score of 74/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Century Bank of 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

Century Bank of 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). Century Bank of Florida's $105M falls in the highlighted band.

Capital & credit buffers at Century Bank of Florida

Tier 1 capital ratio
Well-capitalized 10%

15.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.07%
Texas Ratio
2.49%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Century Bank of Florida

Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
8.38%
Efficiency Ratio
83.52%

What these mean →

Income & expense at Century Bank of Florida

$5M
Interest Income
$312K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Century Bank of Florida reports a Texas Ratio of 2.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Century Bank of 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 ($105M here), outside Florida so the neighborhood is not state containment.

Citizens State Bank and Trust Company $105M · KS The Lyndon State Bank $105M · KS Platte Valley Bank $105M · NE The Sherwood State Bank $105M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Century Bank of Florida (FDIC Cert #35558) - 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.

Century Bank of 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%