Central Bank (FDIC #58377): Bank Stress & Real-Estate Credit Exposure

Central Bank (FDIC Cert #58377): bank stress 77/100, severe, STABLE over 7 days; parent CENTRAL FINANCIAL HOLDINGS INC.

Central Bank (#58377) lends in 4 counties across 2 states; Central Bank (#58377) reaches 145 ZIP codes: Florida 3 counties, 119 ZIPs; Georgia 1 county, 26 ZIPs.

Central Bank (#58377) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#58377), Orange County, FL (49 branches, 49 ZIPs) (#58377), Gwinnett County, GA (26 branches, 26 ZIPs) (#58377), St Johns County, FL (12 branches, 12 ZIPs) (#58377).

Central Bank (#58377) reports $386.8 million in total assets; Central Bank (#58377) equity $35.4 million (9.1% of Central Bank (#58377) assets); Central Bank (#58377) domestic deposits $325.2 million; Central Bank (#58377) net income $1.6 million; Central Bank (#58377) return on assets 0.84%; Central Bank (#58377) return on equity 9.61%; Central Bank (#58377) net interest income $6.5 million; Central Bank (#58377) call report June 30, 2026.

Central Bank (#58377) noncurrent real-estate loans: none reported; Central Bank (#58377) net charge-offs on real estate 0.04%.

Central Bank (#58377) net interest margin 3.54% against an eight-quarter Central Bank (#58377) average of 3.34% (Central Bank (#58377) compression -0.21 points); Central Bank (#58377) rate-exposure score 40/100, Central Bank (#58377) fixed-rate trap 40/100; Central Bank (#58377) risk type credit driven; Central Bank (#58377) rate regime rates elevated, Central Bank (#58377) snapshot October 20, 2026.

Central Bank (#58377) stress score moved from 80.3 on June 22, 2026 to 76.7 on October 20, 2026; Central Bank (#58377) ranged 76.7 to 80.3 over 117 snapshots.

Central Bank (#58377) alerts: 4 counties; top Central Bank (#58377) alert scores: Saint Augustine County, FL 24 (low); Suwanee County, FL 24 (low); Tampa County, FL 24 (low); Winter Park County, FL 24 (low).