Central Bank: how it compares with its peers
Against 29 FL banks with half to twice its assets, Central Bank's strongest measure in Q2 2026 is efficiency ratio (63.74% vs. a 72.01% peer median). Its weakest relative measure is net interest margin (3.54% vs. 3.86%).
| Measure | Central Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 0.85% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.54% | 3.86% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.74% | 72.01% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $7.9M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.71% | 75.72% | Context |
What it means for lending operations
Its efficiency ratio of 63.74% is better than the 72.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- TCM Bank, National Association Tampa, FL · $382M
- Locality Bank Fort Lauderdale, FL · $396M
- Waterfall Bank Clearwater, FL · $410M
- Desjardins Bank, National Association Hallandale, FL · $362M
- Paradise Bank Boca Raton, FL · $415M
- The First National Bank of Mount Dora Mount Dora, FL · $358M
Questions about Central Bank
How big is Central Bank?
Central Bank, established in 2007, is headquartered in Tampa, FL. It reported $387M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Central Bank's return on assets?
0.84% annualized in Q2 2026, against a 0.85% median for 29 FL banks with half to twice its assets, ahead of 48% of them.
What is Central Bank's efficiency ratio?
63.74% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 72.01%, and lower is better.
Is Central Bank growing its loans?
Net loans grew 9.6% over the year to Q2 2026, while deposits grew 10.7%.
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.