Century Bank of Florida: how it compares with its peers
Against 11 FL banks with half to twice its assets, Century Bank of Florida's strongest measure in Q2 2026 is net interest margin (4.44% vs. a 3.33% peer median). Its weakest relative measure is efficiency ratio (88.46% vs. 71.65%).
| Measure | Century Bank of Florida | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.50% | 0.91% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 3.33% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.46% | 71.65% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.2M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.63% | 67.13% | Context |
What it means for lending operations
Its efficiency ratio of 88.46% is above the 71.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Wauchula Wauchula, FL · $88M
- Peoples Bank of Graceville Graceville, FL · $116M
- Eastern National Bank Miami, FL · $65M
- Bank of Pensacola Pensacola, FL · $147M
- Echelon Bank Clearwater, FL · $52M
Questions about Century Bank of Florida
How big is Century Bank of Florida?
Century Bank of Florida, established in 2000, is headquartered in Tampa, FL. It reported $101M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Century Bank of Florida's return on assets?
0.50% annualized in Q2 2026, against a 0.91% median for 11 FL banks with half to twice its assets, ahead of 27% of them.
What is Century Bank of Florida's efficiency ratio?
88.46% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 71.65%, and lower is better.
Is Century Bank of Florida growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits shrank 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.