Unverified listing What this means
The Lender Report built this page from public records. Bank of Central Florida has not reviewed it. Every lender's page starts this way, and it says nothing about Bank of Central Florida itself. Each figure shows its source and date. Work at Bank of Central Florida? You can claim this page for free.
Bank, Lakeland, FL
Bank of Central Florida
A bank based in Lakeland, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $647M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 2
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 15
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.25B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.bankofcentralflorida.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- bankofcentralflorida.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 5015 S Florida Ave, Lakeland, FL 33813FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 10.1% to $227.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 36.9% to $92.7M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Mar 2026 | Florida | SBA 504, Insurance Agencies and Brokerages | $430K | 25 yr | SBA FOIA | ||
| 2025 | Polk County, FL | Purchase, 25 to 49 units | $660K | HMDA 2025 | |||
| 2025 | Polk County, FL | Purchase, 5 to 24 units | $600K | HMDA 2025 | |||
| Jun 2025 | Florida | SBA 504, Manufacturing | $370K | 25 yr | SBA FOIA | ||
| May 2025 | Florida | SBA 504, All Other Miscellaneous Fabricated Metal Product Manufacturing | $1.8M | 25 yr | SBA FOIA | ||
| Feb 2025 | Florida | SBA 504, All Other Amusement and Recreation Industries | $1.3M | 25 yr | SBA FOIA | ||
| 2024 | Polk County, FL | Purchase, 5 to 24 units | $1M | HMDA 2024 | |||
| 2024 | Polk County, FL | Refinance, 5 to 24 units | $680K | HMDA 2024 | |||
| 2024 | Polk County, FL | Purchase, 5 to 24 units | $660K | HMDA 2024 | |||
| 2024 | Polk County, FL | Purchase, 5 to 24 units | $560K | HMDA 2024 | |||
| May 2024 | Florida | SBA 7(a), Other Building Equipment Contractors | $3.1M | 10.5% | 10 yr | SBA FOIA | |
| May 2024 | Florida | SBA 504, Retail Trade | $1.5M | 25 yr | SBA FOIA | ||
| Apr 2024 | Florida | SBA 7(a), Nail Salons | $340K | 10.5% | 10 yr | SBA FOIA | |
| Apr 2024 | Florida | SBA 7(a), Nail Salons | $310K | 10.5% | 10 yr | SBA FOIA | |
| Feb 2024 | Florida | SBA 7(a), Dental Laboratories | $780K | 8.75% | 25 yr | SBA FOIA | |
| Feb 2024 | Florida | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $340K | 10.5% | 10 yr | SBA FOIA | |
| Dec 2023 | Florida | SBA 7(a), General Automotive Repair | $210K | 10.75% | 10 yr | SBA FOIA | |
| Oct 2023 | Florida | SBA 504, Elementary and Secondary Schools | $2.7M | 25 yr | SBA FOIA | ||
| Oct 2023 | Florida | SBA 7(a), Commercial and Institutional Building Construction | $1M | 10.5% | 10 yr | SBA FOIA | |
| 7 SBA 7(a) loans since October 2023, net of cancelled | $6.10M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $22.4M | 2.6% | -29.5% |
| Construction and land development | $98.0M | 11.6% | +70.6% |
| Owner-occupied CRE | $163M | 19.3% | -3.7% |
| Non-owner-occupied CRE | $228M | 27.0% | +10.1% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $136M | 16.1% | -1.0% |
| Commercial total | $647M |
Reference only: $148M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $529M |
| Q4 2023 | $558M |
| Q1 2024 | $580M |
| Q2 2024 | $588M |
| Q3 2024 | $588M |
| Q4 2024 | $580M |
| Q1 2025 | $606M |
| Q2 2025 | $603M |
| Q3 2025 | $614M |
| Q4 2025 | $630M |
| Q1 2026 | $654M |
| Q2 2026 | $647M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 2 | $1.30M | $630K | $660K | HMDA, |
| Multifamily, 5 or more units | 2024 | 4 | $2.90M | $660K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 17 | $7.42M | $285K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 7 | $6.10M | $340K | $3.1M | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 8 | $11.6M | $1.57M | $2.7M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Bank of Central Florida reported commitments to fund construction loans that had not been drawn at June 30, 2026: $31,280,000 for 1-4 family residential construction and $61,446,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $216,086,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 57 | $1.38M |
| Over $100,000 up to $250,000 | 84 | $5.45M |
| Over $250,000 up to $1 million | 121 | $13.2M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 5 | $214K |
| Over $100,000 up to $250,000 | 33 | $4.18M |
| Over $250,000 up to $1 million | 122 | $50.2M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 4 | $174K |
| Over $100,000 up to $250,000 | 4 | $314K |
| Over $250,000 up to $500,000 | 4 | $1.21M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 6 | 2 | 17 | 7 | 8 |
| County | Recorded loans | Dollars |
|---|---|---|
| Polk County, FL | 6 | $4.19M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Lakeland-Winter Haven, FL | 6 | $4.19M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Bank of Central Florida has 6 offices in 2 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 6 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Hillsborough County, FL | 3 | 0 |
| Polk County, FL | 3 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $18.0M | $14.2M to $26.7M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 290.7% | 88.6% to 466.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 81.8% | 22.9% to 88.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 74.1% | 63.3% to 103.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $92.7M | $7.76M to $91.2M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 36.9% from a year earlier. | FDIC call report, |
| Loans to assets | 67.6% | 59.7% to 86.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 18 days, median of 7
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Sanibel Captiva Community Bank | FL | $976M | $417M |
| Citizens Bank and Trust | FL | $1.48B | $518M |
| Mainstreet Community Bank of Florida | FL | $953M | $588M |
| BayFirst National Bank | FL | $1.14B | $456M |
| OptimumBank | FL | $1.39B | $1.04B |
| Grove Bank & Trust | FL | $1.41B | $706M |
| Flagship Bank | FL | $803M | $545M |
| Pacific National Bank | FL | $1.61B | $807M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Bank of Central Florida, FDIC certificate 58479. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $1.25B in total assets and $647M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 38 recorded loans from HMDA and SBA files, through September 30, 2026: 2 HMDA multifamily 2025, 4 HMDA multifamily 2024, 17 HMDA 1-4 unit investor 2025, 7 SBA 7(a) in 36 months, 8 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Bank of Central Florida]
- Phone and website. No phone number is on record. Website bankofcentralflorida.com, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 58479
- RSSD
- 3588312
- LEI
- 549300GPM8XFBE00Z637
- The Lender Report ID
- lr_001288
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Lakeland-Winter Haven, FL
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.2B in total assets as of June 30, 2026 (FDIC call report).
- Held $647.1M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $227.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 10.1% from a year earlier (FDIC call report).
- Held $162.7M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $136.1M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Originated 2 multifamily loans totaling $1.3M in 2025 (HMDA).
8 more sentences
- Originated 4 multifamily loans totaling $2.9M in 2024 (HMDA).
- Originated 17 1-4 unit investor or business-purpose loans totaling $7.4M in 2025 (HMDA).
- Recorded 7 SBA 7(a) approvals totaling $6.1M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 9 SBA 504 projects with $12.2M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 6 offices in 1 state (FDIC).
- Held 262 commercial and industrial loans that were $1 million or less when made, with a balance of $20.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 160 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $54.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $31.3M for 1-4 family and $61.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Bank of Central Florida, https://lender.report/lender/bank-of-central-florida-fl/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem