Central Bank
Tampa, FL
IDRSSD: 3468450
Total Assets
$363.39M
Latest filing
Total Deposits
$296.42M
Latest filing
Net Interest Margin
3.39%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Central Bank
20701 Bruce B Downs Blvd
Tampa, FL 33647
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/26/2007FDIC Certificate 448948
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Central Bank (Main) | 20701 Bruce B Downs Blvd | Tampa, FL |
| WINTER PARK BRANCH | 702 Orange Ave | Winter Park, FL |
| ST. AUGUSTINE BRANCH | 2300 N Ponce De Leon Blvd | Saint Augustine, FL |
| SUWANEE BRANCH | 3893 Lawrenceville Suwanee Rd | Suwanee, GA |
Showing 3 of 3
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 | 02/26/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33647 |
| State and County Number | 12057 |
| 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 | Tampa-St. Petersburg-Clearwater, FL |
Operational Info
| Number of Employees | 45 |
| Domestic Offices | 4 |
| 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 | 02/26/2007 |
| Primary Insurance Agency | DIF |
| Website | www.centralbankfl.com |
| Data Updated | 11/14/2025 |
| CERT | 58377 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $363.39M |
| Total Deposits | $296.42M |
| Total Liabilities | $332.19M |
| Total Equity Capital | $31.20M |
| Net Income | $542.00k |
| Net Loans and Leases | $307.86M |
| Assets Per Employee ($Millions) | $7.9M |
| Bank Premises and Fixed Assets | $8.74M |
| Cash and Balances due from Depository Institutions | $12.75M |
| Deposits Held in Domestic Offices | $296.42M |
Key Performance Ratios
| Return on Assets (ROA) | 0.6% |
| Return on Equity (ROE) | 7.04% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 74.51% |
| Tier 1 Risk-Based Capital Ratio | 11.024% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.586% |
| Earning Assets to total Assets | 95.49% |
Income and Expense
| Total Interest Income | $5.58M |
| Total Noninterest Income | $35.00k |
| Total Interest Expense | $2.66M |
| Total Noninterest Expense | $2.20M |
| Net Interest Income | $2.92M |
| Pre-tax Net Operating Income | $702.00k |
| Provision for Credit Losses | $51.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $33.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.79M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.27M |
| Total Liabilities and Capital | $363.39M |
Securities
| Securities | $25.57M |
| Available-for-sale debt securities | $17.62M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $7.95M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Bank?
$363.39M as of the latest filing.
How much are Central Bank's total deposits?
$296.42M in total deposits.
Where is Central Bank located?
Tampa, FL.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
4.
When was it established?
02/26/2007.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$307.86M (latest filing).
What is the total interest income (latest filing)?
$5.58M.