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Central Bank Tampa, FL — Central Bank is a full-service community bank founded in 2007 as a Minority Deposit Institution, offering personal, commercial,...
Data compiled from public sources
Central Bank was established in 2007 as a Minority Deposit Institution (MDI) in Tampa, Florida. Since its founding, the bank has expanded to include premium locations in Winter Park, St. Augustine, and Suwanee, Georgia.
S. Government, positioning itself as a community-focused financial institution. Central Bank offers a comprehensive range of banking services across personal, commercial, and residential segments.
Their service offerings include personal banking with treasury management tools, commercial and business banking accounts with online management capabilities, mortgage loans for home purchases and refinancing, and SBA lending programs for small business financing and cash flow needs. The bank provides state-of-the-art online banking technology, financial calculators for personal finance management, debit card services with no-fee ATM access through Bank of America's nationwide network, and standard services such as lost/stolen card reporting and account switching assistance. The bank distinguishes itself through its emphasis on relationship banking, highlighting that their strength lies in experienced bankers who understand local market dynamics and customer needs.
As an MDI, Central Bank maintains a community-oriented approach with local bankers developing relationships with small businesses in their respective markets. The partnership with Bank of America for ATM access provides customers nationwide convenience despite the bank's limited physical footprint. Central Bank serves as a legitimate community banking option for customers seeking traditional full-service banking with local relationship management.
However, the limited geographic presence (only four known locations across Florida and Georgia) and lack of specific details about product features, rates, or competitive advantages suggests this is a regional institution best suited for those in or near their service areas. The website provides adequate information for basic banking needs but lacks granular details about specific loan terms, deposit rates, or fee schedules.
This is state-level context for Banks consumers in Tampa, FL. It does not confirm that Central Bank or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Central Bank processed 1,859 mortgage applications in 2023, with 91.3% recorded as approved across 23 states.
1,859
Applications
91.3%
Approval Rate
$298K
Avg Loan
23
States Served
Based on 1,859 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Central Bank offers 12 services including Personal checking and savings accounts, Commercial and business checking accounts, Online banking with account management tools, Residential mortgage loans, SBA loans for small business financing and cash flow, and 7 more.
Central Bank has profile signals associated with Small business owners seeking relationship-based commercial banking in Florida or Georgia, Homebuyers in Central Bank's service areas looking for personalized mortgage lending, Customers in Winter Park, St. Augustine, Tampa, or Suwanee who prioritize local community banking relationships.
Key strengths: FDIC-insured deposits backed by U.S. Government full faith and credit; No-fee ATM access to Bank of America's nationwide network for debit card holders; Community bank with emphasis on local relationship banking and experienced bankers. Areas to consider: Limited geographic footprint with only four known banking centers, restricting accessibility for consumers comparing profile details; Website lacks specific information on deposit rates, loan terms, APRs, or fee schedules for comparison.
In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Central Bank is profile signals for small business owners and homebuyers in Florida and Georgia who value relationship-based community banking with experienced local bankers. The main caveat is the bank's extremely limited geographic presence—with only four known locations, it is inaccessible to the vast majority of U.S. consumers and only practical for those already in or relocating to their specific service areas.
FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and lending products across multiple states with focus on association and small business banking.
Google rating from 17 reviews
Profile signals: Small business owners and entrepreneurs needing SBA loans and commercial lending in Texas or Florida, Property managers and HOA companies seeking dedicated association banking support
Crews Bank & Trust is a full-service bank with 90+ years of Florida history, offering personal and business banking, mortgages, investment services, and trust administration through multiple branches including Sarasota.
Google rating from 39 reviews
Profile signals: Florida-based business owners seeking relationship-driven banking with SBA loans, commercial real estate financing, and treasury management, Sarasota-area residents and professionals wanting a full-service bank with trust/wealth management and estate planning services
Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.
Google rating from 76 reviews
Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support
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