# CENTRAL BANK
TAMPA, FL · FDIC certificate 58377 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $386.8M | |
| Deposits | $325.2M | |
| Loans and leases | $330.0M | |
| Total equity | $35.4M | |
| Loans / deposits | 100.71% (p89 of band) | 82.04% |
| Liquid assets / assets | 12.03% (p9 of band) | |
| Uninsured deposits / deposits | 34.74% (p78 of band) | 25.97% |
| Brokered deposits | 1.40% | |
| Wholesale funding | 7.74% (p69 of band) | |
| FHLB advances / assets | 6.33% | |
| Tier 1 leverage | 9.11% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -2.52% (p75 of band) | -8.10% |
| AOCI / equity | -0.94% (p24 of band) | |
| ROA (annualized) | 0.84% (p24 of band) | 1.28% |
| Net interest margin | 3.54% (p30 of band) | 3.91% |
| Efficiency ratio | 63.74% (p58 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p85 of band) | |
| Reserve coverage of noncurrent | 2038.84% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 70.34% (p71 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | deposits shrinking |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 3 | charge-offs p90 |  |
| 2012-12 | 2 |  | assets shrinking |
| 2013-03 | 2 | assets shrinking | charge-offs p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 3 | losing money |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | losing money |
| 2014-12 | 3 | loans exceed deposits |  |
| 2015-03 | 1 |  | expense ratio p90, loans exceed deposits |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 1 |  | loans exceed deposits |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 | brokered >10% | capital falling |
| 2017-12 | 0 |  | brokered >10% |
| 2018-03 | 1 | brokered >10% |  |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 4 | charge-offs p90 |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 1 | uninsured deposits leaving | brokered >10%, wholesale funding >15%, capital falling |
| 2019-12 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2020-03 | 1 | capital falling | charge-offs p90 |
| 2020-06 | 2 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2020-09 | 3 | reserve under noncurrent |  |
| 2020-12 | 3 | liquid assets <10% | reserve under noncurrent |
| 2021-03 | 2 |  | liquid assets <10% |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 2 | assets shrinking | loans exceed deposits, wholesale funding >15% |
| 2021-12 | 1 |  | assets shrinking |
| 2022-03 | 1 | assets shrinking | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | deposits shrinking |  |
| 2022-12 | 2 | loans exceed deposits | assets shrinking |
| 2023-03 | 2 | charge-offs p90 | deposits shrinking |
| 2023-06 | 3 | capital falling, construction >100% equity | loans exceed deposits |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | loans exceed deposits | capital falling, construction >100% equity |
| 2024-03 | 1 | reserve under noncurrent | charge-offs p90, loans exceed deposits |
| 2024-06 | 2 | loans exceed deposits |  |
| 2024-09 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 1 |  | wholesale funding >15%, capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | wholesale funding >15% |  |
| 2026-03 | 1 |  | wholesale funding >15% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-30 [COMMENTARY: Spiking central bank dissent risks stoking volatility - Reuters](https://news.google.com/rss/articles/CBMingFBVV95cUxQV3ZLV1JfdUhuT2NTbGRqZkJfRGVkMWY5ME4wLXU2YlBLNDRaa3lkUTlteUFvNlVEYkxIcGUtbjdGYlNvUExtbjJ1ZHpTblFmU3NKU3dic0c0cVBhbU9tMVRIamZIcXRwWjA3aHdPY0ROMHZuOHp1LTlWdUVCaGhlM2dKZDZhQ2MzbER4bHdkaVRFTlNJVGtVMHpHZ2hKdw?oc=5) · Reuters
- 2026-05-04 [Dawn Shellabarger named senior vice president, regional lending director - The Mexico Ledger](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdklxUjFPcFAyMGJFMF9ydlIwVlBMd2Fpa3RkWTdCcW1QYTg4alFQY0VOVFZ6NF85SUUzbEl6cksyQnRVd0RKVFRwWmlCaUdQenV5OHBEa3Y1d3c4ZjlpU3ZoZ0FuYjliUDJYV0s1V2NXbzhHRU9ma01BOGVPcVFjS3JjNUFDcmo3M21tSUlpUm0ybUlkZ3BlMGlfSF9NNFdQcjVoV2s3R2w0djg0Zmo3Nw?oc=5) · The Mexico Ledger
- 2026-05-28 [Bessent rejects central bank digital currency, outlines Iran deal conditions - Florida’s Voice](https://news.google.com/rss/articles/CBMiogFBVV95cUxORDV2S0dGcUlnNzA4Xzd3Zmg4dkhmWXU3MlBuc19zUGNPWk9PN1NMWXhNOWxVbzNGUzJGOG5Pb1BsZmtnc184NUEyb0J2Nm5hOFdlQ3Q0Vkt0RG0wYjdDem5iYmxqVVQzUXI5SXpZNFhGSmc1Vm1DSHYyMGRxWjFFYmlXcDNKOW41UDBSR2s0ckNjdWpTNjJ6STNIaHdhRHNiVmc?oc=5) · Florida’s Voice
- 2026-09-09 [BoG flags 20 unlicensed mobile loan apps, cautions public - CitiNewsroom.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNU0JZbnFXTmZEZGZzSDVQNng5VTc2TkpxMHBEVGphY05DTy1UTmp6SEpDN1NCU3N2QmYtVHJtckZBcXJzdmNoZjA1ZUljYVJjS2JPSGRWUTBmM19KTU1QRFB5OWllSS1XS1RUV2cwYmtQZmd5c0RtYllpQ1ZvSkxfUXdwWFRmSXZZMWNPQWU1MW4wbWQ5WTdnd3dR?oc=5) · CitiNewsroom.com
- 2026-05-04 [Florida bank acquires failed Georgia lender’s deposits - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONUFJelEzeG13SVhPYWF3WTc2X0VDS1NpOVRBZkV2dS1MLUxiRUw5bXBKNDZjQnBWUmxWUXlrTER5NEdpNWhxZ2NsQTFNamhqempscFRLS2xHQnZmeU5FVUxUbHpXdzc4b1VCeU5TWkFkbnBWVjNtSWJTUHpFTFZXZllaTzJlTF9m?oc=5) · Banking Dive
- 2026-08-03 [Central Bank of Malta discusses economic and financial literacy with young people - TVMnews.mt](https://news.google.com/rss/articles/CBMirgFBVV95cUxOa0xBY2swendSZm4yTE41c25JbFhEZVJyNVA2dmhtMC02VUJCMmpVV1hFRlp0N2ZTZGlzblJXN1VJY1ZESzVTQmktNk5vZ1FYejBEUy1uWWpXNWVqaTZfanJ4SXdFeV9hWlhrREdZZlVIU2xUeXFtaVM0d1lxRm9vVm1ZaldveTdsck9zWEwxRGFDN2hTVDA0Rm9QSWphSUJ0TV9SUlVXbm5tNmJQNEE?oc=5) · TVMnews.mt
- 2026-03-31 [COMMENTARY: Unlike 2022, central banks to diverge if energy shock deepens - Reuters](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSFJRUlZZNlFCY0ZrWXJvRGplTmhvVE5td2ZoWHI1dXNaR1Q0S3hRODhCeFoyVk1peGpvV2VCYm5WR2NkOFZlT01keXZMSWhhb1RSSlpyWVVvSWJJSmIzMDJTZEJLcEN0emZFUDBjekQ0ZHNDS0RHSXNfSnpOR0I1WFI1dEo5QWREMm15Z1BJTE9OX2h5MENOU2NiOG53VUVNOExneTlJSkMycWNl?oc=5) · Reuters
- 2026-04-01 [COMMENTARY: Are central banks selling Treasuries? Probably, just not that much - Reuters](https://news.google.com/rss/articles/CBMitgFBVV95cUxPU0tid1ZyT0Q1Y2dhdDh3Qk1yRV80bC11aXUyV29QdVZGQUxNTTV3Q1FHNTI3WlVMbXptdS1wdHBFMHFXQVBWS1k0b3hkdUJBWWpITEEtQ3NLMjRONFRNNW82TjVFdzFvSTBJbVBEVVJRTjhOQ0gwZnJvWnFzT2wzU09LTDRfLUtyVzlMbXRRd3ptX0dQUjJZVmRQaUloV3FjYjdDZ1dUamNOVUpXQXdDVW1rWUJHUQ?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58377 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "58377", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide