Bank of Central Florida
Lakeland, FL
IDRSSD: 3588312
Total Assets
$1.25B
Latest filing
Total Deposits
$1.15B
Latest filing
Net Interest Margin
3.76%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
063116261LAKELAND, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Central Florida
5015 S Florida Ave
Lakeland, FL 33813
Full Service - Brick and Mortar
Updated 04/10/2026Established 03/19/2007FDIC Certificate 453573
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Central Florida (Main) | 5015 S Florida Ave | Lakeland, FL |
| DOWNTOWN LAKELAND OFFICE | 724 S Florida Ave | Lakeland, FL |
| WINTER HAVEN BRANCH | 201 3rd St Sw | Winter Haven, FL |
| PLANT CITY BRANCH | 409 N Alexander St | Plant City, FL |
| DALE MABRY BRANCH | 1 N Dale Mabry Hwy | Tampa, FL |
| SOUTH TAMPA BRANCH | 201 S Howard Ave | Tampa, FL |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/19/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33813 |
| State and County Number | 12105 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Lakeland-Winter Haven, FL |
Operational Info
| Number of Employees | 105 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/19/2007 |
| Primary Insurance Agency | DIF |
| Website | www.bankofcentralflorida.com |
| Data Updated | 04/10/2026 |
| CERT | 58479 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.25B |
| Total Deposits | $1.15B |
| Total Liabilities | $1.16B |
| Total Equity Capital | $96.03M |
| Net Income | $3.98M |
| Net Loans and Leases | $837.04M |
| Assets Per Employee ($Millions) | $11.59M |
| Bank Premises and Fixed Assets | $16.08M |
| Cash and Balances due from Depository Institutions | $134.04M |
| Deposits Held in Domestic Offices | $1.15B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 16.5% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 59.98% |
| Tier 1 Risk-Based Capital Ratio | 12.035% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.675% |
| Earning Assets to total Assets | 96.04% |
Income and Expense
| Total Interest Income | $15.08M |
| Total Noninterest Income | $561.00k |
| Total Interest Expense | $4.01M |
| Total Noninterest Expense | $6.98M |
| Net Interest Income | $11.08M |
| Pre-tax Net Operating Income | $4.29M |
| Provision for Credit Losses | $367.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.56M |
| Total Liabilities and Capital | $1.25B |
Securities
| Securities | $237.81M |
| Available-for-sale debt securities | $237.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Central Florida?
$1.25B as of the latest filing.
How much are Bank of Central Florida's total deposits?
$1.15B in total deposits.
Where is Bank of Central Florida located?
Lakeland, FL.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
6.
When was it established?
03/19/2007.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$837.04M (latest filing).
What is the total interest income (latest filing)?
$15.08M.