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Central Bank
Central Bank is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 3 licensed Florida offices: St Augustine, Tampa, Winter Park.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | St Augustine, Tampa, Winter Park |
| Legal entity | Central Bank, LEI 549300XF8276TFB0V157, Active |
| Counties | Hillsborough, Orange, St. Johns |
| Website | centralbank.net |
| Phone | (239) 306-8844 |
| Address shown on its site | 3701 Tamiami Trail N Naples, FL 34103 |
Loan types Central Bank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Tampa firms offering it.
- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
- Cash out refinance
- Commercial real estate loans
- Equipment financing
- FHA loans
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Investment property and rental loans
- Refinance
- SBA loans
- Small business loans
- USDA loans
- VA loans
Bank facts from the FDIC
| Total assets | $386,770,000 |
| Deposits | $325,226,000 |
| Offices nationwide | 4 |
| Florida offices | 3 |
| Return on assets | 0.84% |
| Established | 2007 |
| Headquarters | Tampa, FL |
| Holding company | CENTRAL FINANCIAL HOLDINGS INC |
FDICFDIC institution record for certificate 58377, latest quarterly filing. Dollar figures as reported.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
Central Bank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Tampa | 20701 Bruce B Downs Blvd 33647 | Principal office | |
| St Augustine | 2300 N Ponce De Leon Blvd 32084 | Branch | |
| Winter Park | 702 Orange Ave 32789 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Hillsborough County at a glance
| Mortgage applications filed in 2025 | 64,877 |
| Loans originated | 30,453 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 10% |
| Investor and second home share | 10% |
| Dollar volume originated | $11,570,545,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Hillsborough County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.