Bank of Central Florida
Lakeland, FL · State Bank, Not a Federal Reserve Member · Part of BANK OF CENTRAL FL HOLDING CO
Summary
- Total assets: $1.2 billion
- Total deposits: $1.1 billion
- Total loans: $843 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 11.6% |
| Multifamily | 2.7% |
| Owner-occupied commercial real estate | 19.3% |
| Non-owner-occupied commercial real estate | 27.0% |
| Residential | 17.5% |
| Commercial & industrial | 16.1% |
| Consumer & other | 5.7% |
Health indicators
- Tier 1 leverage ratio: 8.75%
- Total risk-based capital ratio: 13.55%
- Noncurrent loans: 0.21%
- Net charge-offs: 0.00%
- Return on assets: 1.32%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Polk, FL | 3 | $1.0 billion |
| Hillsborough, FL | 3 | $115 million |