Bank Of Central Florida is a bank based in Lakeland, Florida, established in 2007, with $1.3 billion in total assets across 6 branches. By Trust Grade it ranks 61st of 83 banks we track in Florida. Its capital ratio of 7.7% trails most similarly sized banks (7th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.30% return on assets. No consumer complaints against Bank Of Central Florida appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Bank Of Central Florida compares to Florida peers
How we graded Bank Of Central Florida
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.7% capital ratio)
- Strongly profitable (ROA 1.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Bank Of Central Florida over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 5015 S Florida Ave, Lakeland, FL 33813
- 724 S Florida Ave, Lakeland, FL 33801
- 201 3rd St Sw, Winter Haven, FL 33880
- 409 N Alexander St, Plant City, FL 33563
- 1 N Dale Mabry Hwy, Tampa, FL 33609
- 201 S Howard Ave, Tampa, FL 33606
Are deposits at Bank Of Central Florida insured?
Yes. Bank Of Central Florida is an FDIC-insured bank (FDIC certificate #58479). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Bank Of Central Florida: frequently asked questions
Is Bank Of Central Florida a good bank?
Bank Of Central Florida earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.7% capital ratio); Strongly profitable (ROA 1.30%).
Is Bank Of Central Florida FDIC-insured?
Yes. Bank Of Central Florida is a FDIC-insured bank (FDIC certificate #58479). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Bank Of Central Florida?
Bank Of Central Florida holds $1.3 billion in total assets, ranking 61st of 83 banks we track in Florida. It operates 6 branches.
Does Bank Of Central Florida have CFPB complaints?
No CFPB complaints against Bank Of Central Florida appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
