BlastPoint's Banking Scorecard
Central Bank
Micro
Specialty: Commercial
FL
FDIC cert 58377
Designations: ✓ Community bank
Tampa, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Central Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.03% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.6M
+7.4% YoY
+1.4% QoQ
|
+$151.1M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$311.8M
+6.4% YoY
+1.3% QoQ
|
+$172.7M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$301.1M
+8.0% YoY
+1.6% QoQ
|
+$117.5M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.70%
+87.1% YoY
+16.1% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.43%
+9.3% YoY
+2.2% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
71.35%
-14.0% YoY
-2.8% QoQ
|
+3.63% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.37%
-15.2% YoY
+40.3% QoQ
|
-0.27% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
103.56%
-1.5% YoY
-0.3% QoQ
|
+29.03% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.74%
-12.8% YoY
-15.5% QoQ
|
-10.65% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.31%
-16.0% YoY
+40.2% QoQ
|
-0.14% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.85%
-1.6% QoQ
|
+2.00% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.14%
+10.2% YoY
+39.7% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.56%
(Tier avg: 74.53%, National avg: 78.04%)
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
94
94th pctile
Total Loans
Current: $311.8M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $368.6M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $301.1M · Tier avg: $183.7M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.85% · Tier avg: 8.85%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
37
37th pctile
Efficiency Ratio
Current: 71.35% · Tier avg: 67.73%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.74% · Tier avg: 22.39%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.56% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.56% · Tier avg: 74.53%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.74% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
37
37th pctile
Efficiency Ratio
Current: 71.35% · Tier avg: 67.73%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.85% · Tier avg: 8.85%
81
81th pctile
Total Deposits
Current: $301.1M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $368.6M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $311.8M · Tier avg: $139.2M