Bank of Central Florida
Lakeland, FL · Owner: Bank of Central FL Holding Co
$1.2B
total assets, June 30, 2026
$1.2B
total assets, June 30, 2026
Bank of Central Florida is a state nonmember bank based in Lakeland, FL, owned by Bank of Central FL Holding Co. As of June 30, 2026 it held $1.2 billion in assets and $1.1 billion in deposits; assets were up 3.1% from a year before. It has 6 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.2B
+3.1% in a year · -0.3% in a quarter
Deposits
$1.1B
+2.3% in a year · -0.7% in a quarter
Loans
$843M
+8.3% in a year · -0.3% in a quarter
Profit so far
$8.1M
Jan 1 to Jun 30, 2026 · +3.9% in a year
Capital ratio
8.75%
+0.48 pts in a year
Return on assets
1.32%
0.00 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 5015 S Florida Ave, Lakeland, FL, 33813
- County
- Polk
- Holding company
- Bank of Central FL Holding Co
- Established
- Mar 19, 2007
- Employees
- 103
- Branches
- 6
- Website
- www.bankofcentralflorida.com
- Id
- b58479
Quarter by quarter
March 31, 2007 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
6 offices as of June 30, 2026, holding $1.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Florida | 6 | $1.1B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Bank Of Central Florida (main office) | Lakeland, FL | $759M |
| Downtown Lakeland Office | Lakeland, FL | $184M |
| Winter Haven Branch | Winter Haven, FL | $79.2M |
| Dale Mabry Branch | Tampa, FL | $69.0M |
| Plant City Branch | Plant City, FL | $28.6M |
| South Tampa Branch | Tampa, FL | $17.5M |
Related pages
Questions and answers
How big is Bank of Central Florida?
$1.2 billion in total assets and $1.1 billion in deposits as of June 30, 2026, with assets up 3.1% from a year before. Its loans were $843.0 million.
How many branches does Bank of Central Florida have?
6 branches in Florida as of June 30, 2026.
Is Bank of Central Florida profitable?
Yes: it earned $8.14 million from January 1 to June 30, 2026 (up 3.9% from the same months a year before). Its return on assets was 1.32% a year; about 1% is typical.
Who owns Bank of Central Florida?
Bank of Central Florida is owned by Bank of Central FL Holding Co, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.