Bank of Central Florida

5015 South Florida Avenue
Lakeland, FL 33813


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58479
Date Established 2007
Assets $0.45 billion
Loans $0.29 billion
Deposits $0.41 billion
Capital $0.04 billion

Bank of Central Florida is an FDIC insured institution located in Lakeland, FL. It was founded in 2007 and has approximately $0.45 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Bank of Central Florida's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Central Florida’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Florida, Bank of Central Florida has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.79
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 14.28
Construction and Development Loans 8.76
Commercial Real Estate 37.73
Commercial and Industrial Loans 25.45
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bank of Central Florida Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Central Florida. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Central Florida U.S. Bank Average
1.24% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, Bank of Central Florida had $374,000 in non-current loans and $100,000 in owned real estate. To cover these potential losses it had $35,385,000 in equity and $2,742,000 in loans loss reserves. That gives it a Texas Ratio of 1.24%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Central Florida U.S. Bank Average
9.83% 8.42%

Bank of Central Florida has a Return on Equity of 9.83% versus the BestCashCow average of 8.42%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank of Central Florida U.S. Bank Average
7.86% 11.86%

Bank of Central Florida has a Capitalization of 7.86% versus the BestCashCow average of 11.86%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Central Florida Balance Sheet Analysis

As of December 31, 2016, Bank of Central Florida had assets of $449,952,000, loans of $291,343,000, and deposits of $412,067,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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