# BANK OF CENTRAL FLORIDA
LAKELAND, FL · FDIC certificate 58479 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.25B | |
| Deposits | $1.14B | |
| Loans and leases | $843.0M | |
| Total equity | $99.7M | |
| Loans / deposits | 73.30% (p21 of band) | 87.10% |
| Liquid assets / assets | 29.76% (p75 of band) | |
| Uninsured deposits / deposits | 30.43% (p49 of band) | 30.76% |
| Brokered deposits | 20.38% | |
| Wholesale funding | 20.38% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.75% (p8 of band) | 10.50% |
| Unrealized securities loss / equity | -15.19% (p27 of band) | -7.75% |
| AOCI / equity | -1.96% (p5 of band) | |
| ROA (annualized) | 1.32% (p57 of band) | 1.26% |
| Net interest margin | 3.74% (p52 of band) | 3.70% |
| Efficiency ratio | 56.37% (p42 of band) | |
| Noncurrent loans | 0.21% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 496.33% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 98.27% (p87 of band) | |
| Auto loans | $92,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | brokered >10% |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | brokered >10% |
| 2014-12 | 1 | brokered >10% |  |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2016-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 1 |  | wholesale funding >15%, capital falling |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2019-06 | 1 | capital falling | charge-offs p90, construction >100% equity |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | construction >100% equity |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | NIM <2.5% |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | NIM <2.5% |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | brokered >10% | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | wholesale funding >15% |  |
| 2024-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 3 | uninsured deposits leaving |  |
| 2025-03 | 3 | capital falling | uninsured deposits leaving |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-09-04 [Bank of Central Florida Personalizes Client Banking Relationships - LkldNow](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWFNRbzN2N1FZT0pZVFB5ZktXQ2NsUllKU0JRR0pvMjVidWZaX3hCaWhKRXBvemhSSm1yT3FXc2wzaDRvZERBQ0ZJUmY1engtTmdBbVNYa1VBM3dCQURRcDdKVTh1RXRLUnNQTjk5dW1hVVZ3eEwxWXMxZ3pHaFhQY0FKeC02dlhHT2hTLThldHNNNnJ3RDdaSjZPS1NCV1RPeDRuSWdB?oc=5) · LkldNow
- 2026-08-11 [How much do you trust your banker? - 6AM City](https://news.google.com/rss/articles/CBMif0FVX3lxTE1aSlZ1MmRMUERHeXlXZFdwM09yNUFDVXNJdy1nTW9OMDJsMGkyMnNMWm9yY2psMzQ0Q3NHWFZjdFB4MEwtVkFBRC1lMi1jNmhfazJVbEstc2E2LWM0d2JZdHowMUJUR3UwNUNpWmlfMWZOQXBRdFhQLVlqaDJpZHc?oc=5) · 6AM City
- 2026-04-07 [Central Florida food bank tripling monetary donations on 407 Day - WESH](https://news.google.com/rss/articles/CBMilAFBVV95cUxPUlF1bU8xVTVtTy0tSUdNVFR6d1o2UDNoTkhZb09wclZCT1lad2tyT3hFNG5xeFNDOXQ0TUI0SmNuVm54VHM0el9HaVhtRUdxenZnRTY0cTNpZFVSZGs5MjBMYjBvSWIxRFlVNTI3WUFxVlB1NXVMWE96RnU1UUNtVGtDZktMN29fajV2eGtrWVFwdHhw?oc=5) · WESH
- 2026-02-06 [Central Florida nonprofits continue to address food insecurity - Spectrum News 13](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUG54RThTOTYtd0gzR1VnRUVCUHVXNWxMX29pXzNQck80MTh3RklwTU5TeU5BUTBQZXdZN2g4V2R6Q2llTWFJNXA5bFJUZWNYWjlmMXR1TUdHM1RlcVA3RFZqaVFVSTliLTgxblU4djFxTklDNUIwNi0xYnBEdi1BQk8xc1Bwb3dQWDVINU9GMHBIU0RfdUxOY0t2WmhRX3BXOURaSG9zNUotU1NlTDAzaw?oc=5) · Spectrum News 13
- 2026-03-02 [Lakeland-Based Bank of Central Florida Expands Into Hillsborough County - LkldNow](https://news.google.com/rss/articles/CBMinAFBVV95cUxOOUtWOVV1STltSGE1UVlPSllkNmo3VW43WTZtVzRKM2E2emRDSW41WFdGZ0IzNkgwM2xsYTJZeVpkckFXbE9rT2VONzdsdVpEbndnaUR5LVJEUUNKcWZRTGZnbG04TW80b2NabHJhQS1ZZ3c4c0Ruc3hPQ2IxRmd1TDlrM0xWcGFvSTdmaFhCQ2xQUDZDVW4wMUdIaVo?oc=5) · LkldNow
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-29 [Orange County Seeks Alternative Measures to Fight Hunger With Recent SNAP Benefits Suspension - OCFL Newsroom](https://news.google.com/rss/articles/CBMihAFBVV95cUxPb0FzM21JMkZtUlZfVUhLdXB5QzRaNkJOckhJRXJOdU9LR09PU0JyaDZXNzlCV3hJeUZTZTlnVFk5R3llaVhZWVlhY3YxTEtEdGRnMkpJbC1iOF8tVjdmNlY4SkRNMmZqa3V5clpOM0EydTVWdE5UQndUS2RvV011dWpidDE?oc=5) · OCFL Newsroom
- 2025-12-20 [Spectrum News 13 journalists volunteer at Second Harvest Food Bank - Bay News 9](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQMXV5VGRYYWdMYU1IT2F0d3VqR0ZoZ3VyYnRxSVM4SEc3OU9BdjBMbWZ2Nm1fWDB2RFZhVm8wcmZMajk0b0w1V3lIWG1UQ3lpdnItSE1LV2tVWENZbENwdzNoMGQ3bDhOeWNHeXkxVjk2S0pNS0VWVFczVTFSYlRiS09SLWY4V3lnZjBsQXJ2M2hESlh5V1BKSHlINy1oNmRtSVg0NUM5T0VBelpYdUo5cTkwbm9qNjRzdjluX054a2c?oc=5) · Bay News 9

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58479 (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/47.json (key "58479", 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