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Institution profile

Bank of Central Florida

Bank · Active · Headquarters: Lakeland, FL

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Bank of Central Florida
Display name
Bank of Central Florida
Institution status
Active
FDIC insured
Yes
FDIC insured since
March 19, 2007
Established date
March 19, 2007
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Lakeland, FL, 33813, United States
Website
https://www.bankofcentralflorida.com
FDIC certificate number
58479
Federal Reserve RSSD ID
3588312
Domestic location count
6
Source observed
August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
58479
Federal Reserve RSSD ID
3588312
LEI
549300GPM8XFBE00Z637
Headquarters
5015 South Florida Avenue, Lakeland, FL, 33813, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Branch network

Listed locations

5

Showing 1 through 5 of 5 listed locations

Scroll sideways to see every branch column.

Showing 1 through 5 of 5 FFIEC NIC branch locations
BranchAddressCityStatePostal code
DOWNTOWN OFFICE724 South Florida AvenueLakelandFL33801
PLANT CITY OFFICE409 N Alexander StreetPlant CityFL33563
BANK OF CENTRAL FLORIDA1 N Dale Mabry Highway Suite 101TampaFL33609
SOUTH TAMPA OFFICE201 S Howard AveTampaFL33606
WINTER HAVEN BRANCH250 3rd Street NW, #102Winter HavenFL33881

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
November 1, 2023
Regulator
FDIC
Examination method
Intermediate Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
November 1, 2023SatisfactoryFDICIntermediate Small Bank
February 1, 2021SatisfactoryFDICIntermediate Small Bank
February 1, 2018SatisfactoryFDICIntermediate Small Bank
May 1, 2015SatisfactoryFDICIntermediate Small Bank
September 1, 2012SatisfactoryFDICSmall Bank
July 1, 2009SatisfactoryFDICSmall Bank

Read the methodology

FFIEC-reported organizational relationships

1 FFIEC NIC relationship record

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
ROOT_INSTITUTIONBANK OF CENTRAL FLORIDANon-member BankLakeland, FL

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank