The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Florida

Yes. Bank of Central Florida is an FDIC-insured institution (FDIC certificate #58479). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.4% of deposits ($346.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.55% (benchmark: 10%).

Check how much of your own balance is covered

Bank of Central Florida lists 6 offices in 4 cities. Most locations:

• Lakeland, FL (2)
• Tampa, FL (2)
• Plant City, FL (1)
• Winter Haven, FL (1)

All branch addresses and map

In 2025, Bank of Central Florida reported 58 home-loan applications under HMDA (LEI 549300GPM8XFBE00Z637): 49 originated ($24,615,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bank of Central Florida

Type

State-chartered bank

FDIC certificate #

58479

RSSD ID

3588312

Primary regulator

FDIC

Holding company

Bank of Central Fl Holding Co

Established

March 19, 2007

Headquarters

5015 S Florida Ave, Lakeland, FL 33813

Website

www.bankofcentralflorida.com

Employees

103