BlastPoint's Banking Scorecard
Century Bank of Florida
Micro
Specialty: Commercial
FL
FDIC cert 35558
Designations: ✓ Community bank
Tampa, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Century Bank of Florida shows strong momentum with 1 strength and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.01% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.8M
+5.8% YoY
+7.6% QoQ
|
-$112.7M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$61.4M
+4.0% YoY
+2.0% QoQ
|
-$77.8M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$90.7M
+4.2% YoY
+8.7% QoQ
|
-$93.0M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.73%
-1.5% YoY
+11.0% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.52%
+4.5% YoY
+0.5% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
83.52%
+1.3% YoY
-1.8% QoQ
|
+15.80% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.42%
-3.1% YoY
-15.6% QoQ
|
-0.22% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
67.64%
-0.2% YoY
-6.2% QoQ
|
-6.88% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
38.40%
+27.3% YoY
-7.4% QoQ
|
+16.01% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-4.7% YoY
-20.0% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
15.07%
+0.5% YoY
-2.3% QoQ
|
+6.21% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.30%
-7.5% YoY
+25.5% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.40%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.40% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
72
72th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.64% · Tier avg: 74.53%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
26
26th pctile
Total Deposits
Current: $90.7M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $61.4M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $104.8M · Tier avg: $217.5M
15
15th pctile
Efficiency Ratio
Current: 83.52% · Tier avg: 67.73%
Top Weaknesses
15
15th pctile
Efficiency Ratio
Current: 83.52% · Tier avg: 67.73%
24
24th pctile
Total Assets
Current: $104.8M · Tier avg: $217.5M
25
25th pctile
Total Loans
Current: $61.4M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $90.7M · Tier avg: $183.7M
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 67.64% · Tier avg: 74.53%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
72
72th pctile
Tier 1 Capital Ratio
Current: 15.07% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.40% · Tier avg: 22.39%