Central Bank (FDIC certificate #58377) is based in Tampa, Florida. Its Q2 2026 call report shows $386.8M in total assets and $325.2M in deposits and 4 offices across 2 states.
Based on its Q2 2026 filing, Central Bank scores 63/100, which we describe as moderate. That is higher than only 24% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 65th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is funding & liquidity (38/100; 101% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (57 → 63), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 53 |
| Q4 2024 | 53 |
| Q1 2025 | 54 |
| Q2 2025 | 57 |
| Q3 2025 | 57 |
| Q4 2025 | 57 |
| Q1 2026 | 59 |
| Q2 2026 | 63 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.38% |
| Q3 2024 | 9.13% |
| Q4 2024 | 8.79% |
| Q1 2025 | 8.58% |
| Q2 2025 | 8.61% |
| Q3 2025 | 8.58% |
| Q4 2025 | 8.67% |
| Q1 2026 | 8.66% |
| Q2 2026 | 9.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $386.8M | 9.11% | 0.04% | 0.84% | 100.7% |
| Q1 2026 | 59 | $389.7M | 8.66% | 0.32% | 0.72% | 101.1% |
| Q4 2025 | 57 | $368.6M | 8.67% | 0.37% | 0.70% | 103.6% |
| Q3 2025 | 57 | $363.4M | 8.58% | 0.26% | 0.61% | 103.9% |
| Q2 2025 | 57 | $359.2M | 8.61% | 0.27% | 0.61% | 101.8% |
| Q1 2025 | 54 | $352.4M | 8.58% | 0.42% | 0.55% | 103.6% |
| Q4 2024 | 53 | $343.3M | 8.79% | 0.43% | 0.38% | 105.1% |
| Q3 2024 | 53 | $329.6M | 9.13% | 0.49% | 0.38% | 103.8% |
| Q2 2024 | 51 | $308.9M | 9.38% | 0.93% | 0.40% | 104.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TCM Bank, National AssociationBank Tampa, FL | 57 out of 100, Moderate | $382.4M | 18.3% | 0.93% | vs |
| Locality BankBank Fort Lauderdale, FL | 55 out of 100, Moderate | $396.2M | 12.9% | 1.55% | vs |
| Waterfall BankBank Clearwater, FL | 61 out of 100, Moderate | $409.9M | 12.6% | 0.03% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Paradise BankBank Boca Raton, FL | 75 out of 100, Strong | $415.2M | 8.8% | 0.05% | vs |
| The First National Bank of Mount DoraBank Mount Dora, FL | 77 out of 100, Strong | $358.0M | 12.3% | 0.41% | vs |
Deposit insurance
Is my money safe at Central Bank?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #58377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.7% of deposits ($113.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Central Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Saint Augustine, FL (1)
- Suwanee, GA (1)
- Tampa, FL (1)
- Winter Park, FL (1)
Identity & history
Profile
- Legal name
- Central Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58377
- RSSD ID
- 3468450
- Primary regulator
- FDIC
- Holding company
- Central Financial Holdings Inc
- Established
- February 26, 2007
- Headquarters
- 20701 Bruce B Downs Blvd, Tampa, FL 33647
- Website
- www.centralbankfl.com
- Employees
- 46
Quick answers
Central Bank: common questions
Is Central Bank FDIC insured?
Yes. Central Bank is an FDIC-insured institution (FDIC certificate #58377). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Bank ever failed?
There is no failure record for FDIC certificate #58377 in the FDIC failed bank list.
How many branches does Central Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Tampa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Street Credit UnionCredit union Sarasota, FL | 89 out of 100, Very strong | $34.5M | 14.7% | 0.10% | vs |
| Transport Credit UnionCredit union Tampa, FL | 85 out of 100, Very strong | $35.8M | 18.6% | 0.52% | vs |
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Florida Customs Federal Credit UnionCredit union Tampa, FL | 83 out of 100, Strong | $6.8M | 26.8% | 0.40% | vs |